Fish and Chip Shop insurance is unlike any other type of business insurance in that it is specifically designed to cover the risks of the Fish and Chip Shop market. Making sure you have the right policy for your fish and chip shop can be difficult unless you know where to look or can get expert help.
Of course you want a competitive price, but you do not want to compromise on coverage, because issues such as fire, safety and legal liability are essential for the well-being of your company. Here we discuss some useful tips to help you find the best insurance.
- Join the professionals – Professional help and advice is readily available in the fish and chips shopping market. There are many groups you can join, such as the National Caterers Association and the National Federation of Fish Fryers, where you can access the latest industry news and get advice on where to find suitable insurance coverage.
- Minimize your risks – Before taking out your fish and chip shop insurance, it is wise to give yourself the best chance of getting a good price. There are unique risks associated with running your type of business, so it’s wise to lower them whenever possible. Insurers take a favorable view of those who adopt best practices such as regular maintenance and cleaning of their fryers. To find out more about these risks and how to reduce them, read our article ‘Insurance Risks for Fish and Chip Owners’.
- Always choose a policy that covers your property and contents – Protection against damage to buildings and contents ranks highest among all reputable fish and chip shop insurance policies. This is because your business deals with hot grease and grease, so fire is an unavoidable risk. It is vital that your business documents such as invoices and bills are stored wisely. Your insurer can advise you on this.
- Make sure you are insured against theft and vandalism – Theft is always a risk for any business, whether it’s a staff member eating himself a portion of crisps or theft from the till, you need to be protected. Your property is also at risk of vandalism, and leaving it unprotected could be catastrophic. Your insurance should protect you against this.
- Public liability coverage is vital – Your policy should protect you against any damage or injury that you or your food may cause to third parties. For example, if a customer slips on a greasy floor and breaks a leg, or gets food poisoning from eating your food. If you were to be sued, the charges could put you out of business. It is vital that your policy covers you in such a case; Legal fees cover is also available with some policy types.
Useful tips for buying from Fish and Chip Shop
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