Fish and chip shop insurance

Fish and chips with a splash of vinegar and a sprinkle of salt: what could be better? In the rich tradition of Britain’s great dishes, this takeaway is a firm favourite.

Other parts of the fish and chip shop industry, like liability claims, are not such a pleasant experience. In today’s “no win, no fee” claims culture, small businesses are finding themselves in an increasingly vulnerable position, and with fish and chip shops already facing heightened risks such as the outbreak of a fire on site, the need for the right type of insurance is greater than ever.

If you need fish and chip shop insurance for your business, here are some useful tips from the Purple Arc team to get you started, and if you’ve got any further questions, we’re always here to help. So, with the right cover and a competitive premium, you’ll soon be cashing in your chips!

• Always make sure that your policy matches your trade. Due to the nature and associated risks of the fish and chip shop industry, a special type of cover is required. In the event of a claim being made against you, too many businesses learn too late that they’ve only been provided with a basic retail shop cover!
• To avoid any cover declines, always make sure that your equipment is properly maintained and regularly serviced. This is an area that insurers are likely to be particular about, so it will pay for you to keep on top of things. For an idea about the type of policy conditions that you will need to look out for, see the example that we’ve listed below:

“All fryers must have automatic cut-offs that prevent oil and fat rising above 205 degrees centigrade, and a second high temperature, non self-resetting limit control to disengage the heat source if fat exceeds 230 degrees centigrade. This equipment must be serviced annually by a professional maintenance company.”

• With fire claims on the increase, insurers are brushing up on their policy conditions. In fact, it is now standard practice for most insurers to insist that the entire length of your extraction system, flues, motors and fans be cleaned by a professional at least once a year. So be sure to think ahead!

At Purple Arc, we aim to stay ahead of policy terms so that we can give our customers the best service at the most affordable price. That’s why we’ve joined forces with an extraction maintenance provider, so that we can offer you a service that’s reliable, price-competitive, and policy compliant. Sound good? Call us now to find out more!