Fish and Chip Shop Insurance

They are usually the first things that come to mind when you think of fish and chip shops and insurance. Fair enough – deep fat fryers are a big risk with fish and chip shops.  But there are some other serious considerations too which may not come immediately to mind.

Now dealing with piping hot fat all day does come with many risks and so hot oil related injuries feature heavily when considering risk in a fish and chip shop.   For instance, you and your employees are at risk of burning themselves in the normal course of business.  So make sure you have adequate employers’ liability cover to protect you from on the job injury claims.

However, your customers can also be at risk or create risky situations.  Most of your customers are likely to be good natured people popping in for a quick and easy fish supper but unfortunately you may get the odd rabble rouser on a Friday night – people who might be out to cause trouble.  There is therefore the risk of damage to your premises or injury to you and your staff.  These things are unfortunate but do need to be considered. 

The insurance cover your insurance broker or provider will suggest is likely to include the obvious three, buildings and content, employer’s liability and public liability insurance, but do talk to them and discuss the best possible option for your particular establishment.