UK Fish and Chip Shop Insurance Quotes
Fish and Chip Shop Insurance
Business insurance for a fish and chip shop, built around the frying range and hot cooking oil that make fire the biggest risk, covering your premises, the range and equipment, frozen and refrigerated stock, your products, public and employers’ liability, and your income if a fire or breakdown stops you trading.
Why compare fish and chip shop insurance with us?
- Compare cover for the frying range, equipment, frozen stock and liability
- Suitable for traditional chippies, takeaway-only chip shops, seaside shops and mobile chip vans
What is fish and chip shop insurance?
Fish and chip shop insurance is a package built for a chippy, a hot-food business that deep-fat fries fish and chips in hot cooking oil. Because that frying range and hot oil make fire the leading risk, cover centres on fire, the range, the flue, canopy and extraction ductwork, protecting the premises, the range and equipment, and your stock. It pays out when a freezer or fridge failure spoils frozen and refrigerated stock, and adds products liability for allergens such as gluten batter and fish, public liability for customers, and employers' liability for your staff. Business interruption replaces lost income if a fire stops you trading.
Fish and chip shop insurance covers the traditional chippy and every shape it takes: a sit-in chip shop with a restaurant area, a takeaway-only chip shop, a seaside or coastal shop, a family-run business and a mobile chip van. It sits closest to takeaway insurance, but is written around the frying range, the hot oil and the fire risk that a general food policy treats too lightly. The hot-oil fire load, late evening trade, extraction and ductwork, and sometimes a flat above the shop mean a standard shop or home policy will not fit, so specialist placement is used.
Policies are built up from the covers a chippy needs. Buildings where you own the freehold or are responsible under a lease, shopfront glass, contents, the frying range and equipment and your frozen and refrigerated stock form the core, then the liabilities sit on top. Every chip shop that serves the public should hold public liability for injury to a customer or damage to their property, commonly at £1m, £2m or £5m, and employers' liability is a legal requirement the moment you take on frying, counter or delivery staff, usually written at £10m. Products liability then covers the food itself, including fish, gluten in batter and cross-contamination.
Brokers on our panel underwrite frying and hot-food risks every day. They understand why deep-fat frying raises the fire rating, how fire suppression over the range, regular flue and ductwork cleaning and serviced fryers can bring the price down, why business interruption should reflect the time it takes to reopen after a fire, and how a freezer breakdown can wipe out a night's stock. They price the policy against how you actually fry and trade rather than a fixed online figure.
Related chip shop cover
How fish and chip shop insurance works
Tell us about your chip shop
Your frying range and fire protection, opening hours, the value of your range, equipment and frozen stock, staff numbers, whether you deliver, location and any past claims. The more accurately you declare these details, the tighter the quotes the specialist underwriting panel can send back.
Compare specialist chip shop quotes
Your details go to brokers who underwrite frying and hot-food risks daily. They price the premises, the range and equipment, frozen and refrigerated stock, public, employers' and products liability, equipment breakdown and business interruption against your shop and your frying.
Choose your cover and keep trading
Pick the policy that fits your chippy. Core premises, the range and equipment, stock and liability cover, with business interruption, stock deterioration, equipment breakdown and fire suppression added where you need them, and goods in transit for a mobile van compared separately.
What does fish and chip shop insurance cover?
A chip shop policy brings together the covers a frying business needs, but it is built around the risk that closes a chippy: the frying range, the hot oil and fire. It runs from the premises and the range to the food you serve and the income you rely on.
The frying range and hot oil are the biggest risk
Deep-fat frying with hot cooking oil is the leading cause of fire in a fish and chip shop, so cover centres on fire, the range itself, the flue, canopy and extraction ductwork. Fire is the claim that shuts a chippy, which is why buildings, the range and business interruption sit at the heart of the policy.
The frying range and equipment
The range is expensive and central to trade, so contents cover protects the range, fryers, refrigeration and freezers against sudden damage.
Buildings and shopfront glass
If you own the premises, buildings cover rebuilds them after fire or damage, with the shopfront glass and signage protected too.
Frozen and refrigerated stock
Fish, potatoes and frozen stock spoil if a freezer or fridge fails or after a power cut, so stock deterioration cover protects the food.
Business interruption
If a fire or breakdown stops the shop trading, this replaces lost takings and helps meet costs while the chippy gets back on its feet.
Public liability
Customers can slip on a wet floor or be burned by hot food, so public liability covers claims for injury or damage on your premises.
Products liability
Serving food to the public brings food-poisoning and allergen risk, from fish to gluten in batter, so products liability covers claims over what you sell.
Employers' liability
Once you employ frying, counter or delivery staff it is a legal requirement, covering claims from employees hurt or made ill through their work.
Equipment breakdown
A breakdown of the range, fryers or refrigeration stops the shop trading, so this cover repairs or replaces the equipment that keeps you frying.
Options such as goods in transit for a mobile chip van and cover for delivery can be added where the shop needs them.
What fish and chip shop insurance does not cover
A fish and chip shop policy is built around the frying range you declare, the value of your equipment and stock, the fire-safety measures you have in place and the covers you choose to add. Once a loss falls outside those declared terms, the policy stops paying out. Knowing where the cover ends matters as much as knowing what it includes, because unmet fire conditions, poor upkeep of the range and ductwork, undeclared changes and optional covers left off the policy are among the most common reasons a chip shop claim is reduced or declined.
Wear, tear and gradual damage
Loss caused by ageing, general deterioration, poor maintenance of the range and ductwork, grease build-up in the flue and canopy, slow-acting causes, rot, damp and corrosion falls outside the cover. Chip shop owners are expected to keep the premises, frying range, fryers and refrigeration in good working order. Insurance meets sudden and unforeseen events, not the slow results of neglect.
Money beyond the agreed limit
Cover for cash takings is capped, with separate limits for money on the premises in and out of trading hours, in a locked safe and in transit to the bank. Busy evening takings above those limits, or cash left in the till overnight rather than secured, are not met. Bank regularly and keep cash within the agreed sums.
Frozen stock deterioration outside the insured causes
Frozen and refrigerated stock, the fish, potatoes and chilled goods a chippy holds, is covered when a fridge or freezer suffers a sudden breakdown or a power failure at the supply. Spoilage from a unit switched off, a door left open, food left out of temperature control, gradual under-performance or a lack of servicing is not met, and cover is capped. Maintain your refrigeration and keep to the temperature records.
Fire where safety conditions are not met
The frying range and hot oil make fire the biggest exposure in a chip shop, so cover comes with conditions. A fire claim can be reduced or declined where range thermostats and cut-outs are not maintained, the flue, canopy and extraction ductwork are not cleaned to the stated schedule, or a required fire-suppression system is not fitted or serviced. Keep to every fire-safety condition in the wording.
Delivery vehicles and the chip van on the road
The shop policy does not insure the cars, mopeds or the mobile chip van itself while it is being driven. Any vehicle carrying food for payment needs its own hire and reward motor cover, which is a separate policy, and a mobile van needs cover for goods in transit. If you deliver or run a van, arrange that cover as well; it can be compared alongside your chip shop insurance.
Fines and deliberate food-safety breaches
Regulatory fines and penalties, and losses arising from selling food you knew to be unsafe or trading without the required food-hygiene registration, are not covered. Products liability responds to genuine, unintended harm from your food, such as an undeclared allergen or a foreign object, not to deliberate breaches. Keep your registration current and your hygiene records in order.
How much is excluded differs widely from one insurer to the next and from one chip shop to another. Always check the policy wording carefully on fire-safety conditions, refrigeration and stock limits, money limits and optional covers before buying. For cover against claims from customers injured or burned while collecting an order, see our public liability insurance guide.
Types of fish and chip shop we cover
Every chippy fries with hot oil, but how it trades changes the fire, stock and liability picture. Find the sort of shop that fits yours and compare cover built around the range.
Traditional sit-in and takeaway chippy
The classic high-street chip shop with a frying range, a counter and a few tables. It serves food to eat in and to take away, so it carries the full range of fire, food and liability risk.
Takeaway-only chip shop
A counter chippy with no seating, cooking to order and handing food straight over. Fast footfall and the frying range keep fire and public liability at the front of cover.
Seaside and coastal chip shop
A resort or harbour chippy with heavy summer trade and long queues in peak season. Seasonal takings make business interruption and stock cover matter.
Chip shop with a restaurant area
A chippy with a sit-down dining room alongside the counter. Table service, more staff and a larger premises widen the public and employers' liability exposure.
Mobile chip van
A frying range built into a van, trading at events, markets and pitches. Cover follows the range on the move, so goods in transit and the vehicle both come into play.
Franchise chip shop
A branded chippy run under a franchise, often with set fit-out and equipment standards. Cover needs to match the brand requirements as well as the frying risk.
What affects a fish and chip shop premium
Fish and chip shop premiums vary widely from one shop to the next. A small takeaway-only chippy sits in a different bracket to a busy seaside shop with a restaurant area running open fryers late into the night. The figure moves with the value of the frying range and equipment, whether buildings are included, the stock you hold, the staff you employ, whether you deliver, where you trade, your claims record and how well the shop is protected against fire. Understanding which of these factors drives the premium puts you in a better position to ask the right questions before buying.
Declare your frying range and fire protection accurately at quote stage, and set the sums insured to cover the full cost of replacing the range, equipment, fixtures and frozen stock. Insurer appetite for hot-oil frying risks differs more than most owners expect. Some insurers will not write open deep-fat frying, late-night trading or a flat above the shop. Others specialise in exactly those trades. A specialist broker knows which insurer fits a chip shop, which is why the same shop can produce quotes far apart across the market. Get the stock and equipment figures right too, because underinsurance triggers the average clause and cuts every claim payout proportionally.
MMC Fish and Chip Shop Insurance Specialists, FCA-authorised (reg. 916241)
The frying range and fire risk
The frying range and hot oil are the biggest single driver of the premium. Open deep-fat frying is the leading cause of fire in a chip shop, so a chippy is rated on the range, the flue and extraction ductwork, and the fire protection you have. The more frying you do and the later you trade, the more the premium reflects it.
The range, equipment and stock
Cover rates on the full cost of replacing the frying range, fryers, refrigeration and freezers, fixtures and fittings, plus your frozen and refrigerated stock, and on whether buildings are included. The more the range and stock are worth and the higher your takings, the more the policy costs, so set the sums insured to reflect the real figures.
Number of staff
How many people you employ feeds straight into the premium. Employers' liability becomes a legal requirement the moment you take on frying, counter or delivery staff, and a larger wage roll and more people working around the hot range and oil lift both the employers' and public liability exposure the policy has to cover.
Location, hours and delivery
Local crime rates, flood risk, how late you trade and whether you deliver all feed into rating. Late-night opening raises the public liability and security picture, and a busy seaside or high-street pitch costs more than a quiet parade. If you deliver or run a mobile van, remember it needs separate hire and reward motor cover on top.
Claims history
Previous fire, theft, flood, food-poisoning or liability claims load the premium and can bring higher excesses or exclusions. With fire the main risk in a chippy, a clean claims record over recent years is one of the clearest ways to keep the cost down, so keep good records and report incidents properly when they happen.
Fire protection and security
Fire suppression over the frying range, regular flue and ductwork cleaning, serviced fryers, fire extinguishers, smoke detection, a monitored alarm and shutters all reduce the premium. Meeting an insurer's minimum fire and security conditions also keeps your fire and theft cover valid at claim time.
Every chip shop is rated on its own frying range, equipment, stock, location and fire protection. Compare fish and chip shop insurance quotes to see how your range, stock and fire safety shape the premium across our specialist broker panel.
How much does fish and chip shop insurance cost?
There is no fixed online price for a chip shop, because a specialist prices it against your range, your premises and how you trade. The guide below shows where lower, middle and higher chip-shop profiles sit and what moves a premium up or down.
A fish and chip shop premium is built from the value of the frying range and equipment, the stock you carry, whether buildings are included, your fire protections and ductwork cleaning, the number of staff, your trading hours and your claims history. A small takeaway-only chippy with good fire protection sits at the lower end. A typical high-street chippy with a sit-in area, buildings and staff sits in the middle. A large or coastal shop, an owned building with a high-value range, or one with a prior fire claim sits at the higher end and is individually rated by specialist insurers.
A compact chippy, contents only
A small takeaway-only chip shop renting its premises, insuring the range, equipment, stock and liability, with good fire protection and a clean record.
Premium moves with- Range and equipment value
- Stock carried and staff numbers
- Fire protection and claims history
A shop with a sit-in area
A typical high-street fish and chip shop with a small restaurant area, buildings or a landlord's interest, a full range and several staff. Cover carries business interruption and public, products and employers' liability.
Premium moves with- Buildings included or not
- Sit-in trade and staff numbers
- Extraction cleaning and hours
Higher-value or higher-risk
A large or seaside chip shop, an owned building with a high-value range, or a shop with a prior fire claim or a mobile van as well. Individually rated by specialist insurers.
Premium moves with- Building and range values
- Prior fire or theft claims
- Coastal location and van cover
The honest answer: there is no fixed online price for a fish and chip shop. The range and stock values, whether buildings are included, fire protection and claims all pull the premium in different directions, so the only accurate figure is a quote against your own shop. Compare fish and chip shop insurance quotes to see your price across our specialist broker panel.
How fish and chip shop insurance works
Sorting cover for a chippy is quick. Tell us about the shop and the range, then compare quotes from brokers who understand hot-oil frying risk and get set up in four steps.
Tell us about the shop and the range
Share the basics: your type of chip shop, whether you own or lease it, the frying range and equipment, your stock, and whether you deliver. It takes a few minutes.
Compare specialist quotes
We match you with FCA-regulated brokers who write cover for fish and chip shops. They price against the real fire and stock risk, so you can weigh up quotes side by side.
Choose your cover
Pick the policy that fits the chippy, set the levels of buildings, contents and liability you need, and ask the broker anything before you commit.
Get insured
Put the cover in place and start trading protected. If you run a chip van or deliver, the broker can point you to the separate motor cover the vehicles need.
MyMoneyComparison does not advise on or sell insurance. Your details are passed to FCA-regulated UK brokers who arrange cover.
Chip shop cover options and legal requirements
Some parts of a chip shop policy are a legal duty and others simply protect the business you have built. This section sets out the main covers a fish and chip shop needs, from employers' and public liability to the frying range and equipment, frozen and refrigerated stock, hot-oil fire risk and lost income, and shows where the law sets the rules rather than leaving the choice to you. Open any section below to see what each cover does and when it applies.
Employers' liability: a legal requirement
Employers' liability insurance becomes a legal requirement the moment you take on staff, whether they are full time, part time, seasonal or a family member on the payroll. The Employers' Liability Act 1969 sets a minimum of £5m of cover, and most chip shop policies arrange £10m as standard. It pays compensation and legal costs if a member of your frying or counter staff is injured or made ill because of the work they do for you.
The duty applies even to a single weekend fryer or delivery packer. Trading without valid cover is an offence, and the certificate has to be available to your staff. See our fish and chip shop insurance guide for how staff cover fits into a chip shop policy.
Public liability for customers collecting orders
Public liability covers claims from members of the public who are injured, or whose property is damaged, because of your chip shop. A customer slipping on a wet floor at the counter, or scalded by hot food handed across it, is the classic example. Cover is commonly arranged at £1m, £2m or £5m, and a landlord or delivery platform may ask for a set limit.
It is not required by law, but few chip shops trade without it, and landlords and aggregators expect it as a matter of course. The right limit depends on how busy the shop is and how late into the night you serve.
Food products liability and allergens
Products liability is central to any chip shop, because you sell food for people to eat. It responds if something you serve causes illness or injury, from food poisoning to an allergic reaction or a foreign object in a portion. Batter contains gluten and you serve fish, so under Natasha's Law you must label allergens accurately, and a mistake here can lead to a serious claim.
For most chip shops products liability sits alongside public liability under a single combined limit. Keeping supplier records, allergen matrices and frying temperature logs helps defend a claim and trace an ingredient back to its source.
Premises, the frying range and food stock
This cover protects your premises interior, fixtures and fittings and the frying range and equipment, from fryers to refrigeration, freezers and extraction, against fire, flood, theft, escape of water and accidental damage. If you own the freehold or are responsible under your lease, buildings cover can be added for the structure and shopfront.
It also covers your food stock, including chilled and frozen fish and potatoes. The sums insured should reflect the full replacement cost of your range, equipment and stock at their busiest. See our fish and chip shop insurance guide for how equipment and stock limits are set.
Fire cover: the frying range and hot oil
Fire is the standout risk in a fish and chip shop. Deep-fat frying with hot cooking oil is one of the leading causes of chip-shop fires, and a single range fire can gut the premises and stop you trading. Fire cover pays to repair or rebuild and to replace the range, equipment and stock lost in the blaze.
Insurers pay close attention to how you manage this risk, so a fixed fire-suppression system over the range, regular flue and ductwork cleaning and safe oil handling all matter. Good fire protection can widen the cover available and help reduce the premium.
Stock deterioration from fridge or freezer breakdown
Chilled and frozen food is a large part of a chip shop's stock, and it spoils quickly if the cold chain fails. Stock deterioration cover pays for fish and other food lost when a fridge or freezer breaks down, or when the power supply fails, spoiling the goods inside.
Limits and conditions vary, and insurers may ask for evidence that refrigeration units are serviced. This cover is not always included as standard, so it is worth checking it is on the schedule if you hold significant frozen stock.
Business interruption for lost income
Business interruption replaces the income a chip shop loses when it cannot trade after an insured event such as a fire or flood. It covers lost gross profit and the extra costs of getting back to normal, for example hiring a temporary range or premises, over an agreed indemnity period.
The indemnity period should be long enough to repair the shop, replace the range and rebuild trade, which for many chip shops is 12 to 24 months. Setting it too short is one of the most common gaps in a chip shop policy.
Delivery drivers need separate hire and reward cover
If your chip shop delivers, the riders and drivers carrying orders for payment need hire and reward motor cover on their vehicle. This is separate from the premises policy, because standard car, van or motorbike insurance does not cover carrying goods for reward.
It applies whether you employ drivers directly or they use their own vehicles. You can compare hire and reward cover alongside your premises policy, so both the shop and the delivery side are protected.
Each cover meets a different need, and some are set by law rather than left to choice. Compare fish and chip shop insurance quotes to see how premises, liability, fire and income cover are arranged for your chip shop across the MyMoneyComparison.com broker panel.
Who needs fish and chip shop insurance?
If you run a chippy, a standard shop or home policy will not reflect a hot-oil frying business. This cover suits owners and tenants alike, from a first shop to a long-standing family chippy or a van on the road.
Chippy owners
You own the premises and the range, so buildings, contents and the frying equipment all sit on your policy alongside the liability cover.
Chip-shop tenants
You lease the unit, so you cover your contents, the range, stock and liabilities while the landlord holds the buildings cover.
New chip shop start-ups
You are opening your first chippy and need cover in place from day one, built around the range, the fire risk and your first stock.
Family-run chippies
You run the shop with family working the range and counter, so employers' liability covers relatives on the payroll just as it does other staff.
Franchisees
You trade under a chip-shop brand and need cover that meets the franchise standards as well as the everyday frying risk.
Mobile chip van operators
You fry from a van at events and markets, so cover follows the range on the move, with the vehicle and goods in transit brought in.
Employers' liability is a legal requirement once your chip shop employs staff, and most policies carry a limit of at least £5m. Public and products liability protect against customer injury and food-related claims.
Fish and chip shop insurance vs a standard or general policy
A chippy is a hot-oil frying business, not a quiet retail unit. A standard shop or home policy will not cover it, and a general takeaway policy gets closer but is not built around the range, the oil and the fire the way chip-shop cover is. The table shows where each one stands.
| Chip-shop risk | Fish and chip shop insuranceBuilt for a chippy | General takeaway policyAll food outlets | Standard shop or home policyGeneric cover |
|---|---|---|---|
|
Hot-oil frying and range fireDeep-fat frying is the leading fire cause in a chip shop.
|
Rated around it | General fire cover | Not reflected |
|
The range, flue and ductworkThe frying range and extraction are central to the trade.
|
Central cover | General equipment | Not covered |
|
Frozen and refrigerated stockFish and frozen stock spoil if a freezer or fridge fails.
|
Included | Included | Not covered |
|
Allergens and products liabilityFish, gluten in batter and food safety bring product claims.
|
Included | Included | Excluded |
|
Built around the chippy tradeLate trade, extraction and a flat above make a chippy non-standard.
|
Built for it | General food outlet | Not built for it |
A standard shop or home policy
It is not written for a hot-oil frying business, so the fire load, the range and the food risk are left out and a claim can be turned down.
A general takeaway policy
It covers a food outlet, but chip-shop cover is placed around the range, the oil and the fire, and asks about fire suppression and flue cleaning.
Important: The cover shown reflects how UK fish and chip shop and food-outlet policies are typically structured. It is illustrative only and is not a quotation or an offer of insurance. Policy wording, sums insured and exclusions vary by insurer and individual circumstances. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
Specialist Fish and Chip Shop Insurance
Specialist fish and chip shop insurance comparison since 2013
Since 2013, MyMoneyComparison.com has helped UK chip shops and food businesses find cover without the runaround. Whether you run a traditional sit-in chippy, a takeaway-only chip shop, a seaside chip shop, a chip shop with a restaurant area or a mobile chip van, our specialist broker panel works with frying premises every day. Compare specialist fish and chip shop insurance from a panel that understands the frying range and hot-oil fire risk, food products liability and allergens, frozen and refrigerated stock, public and employers' liability and business interruption across UK chip shops.
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Everything You Need to Know
Detailed answers to help you understand more about fish and chip shop insurance.
What is fish and chip shop insurance?
Fish and chip shop insurance is a business package for a chippy, a hot-food shop that deep-fat fries fish and chips. It brings together the covers a frying business needs: the premises, the frying range and equipment, frozen and chilled stock, liability to customers and staff, and lost income if a fire or another insured event stops the shop trading.
Is fish and chip shop insurance a legal requirement?
No single law forces you to insure a chip shop, so buildings, stock and the frying range are down to you and your landlord. One cover is compulsory though: employers’ liability, from the day you hire your first frying, counter or delivery worker, at a £5m legal minimum and commonly set at £10m. Food-safety and fire-safety duties also sit behind the trade, and most landlords and franchisors expect public liability.
What does fish and chip shop insurance cover?
The core lines are buildings or contents, the frying range and equipment such as fryers, refrigeration and freezers, stock including frozen and chilled fish and potatoes, public liability, employers’ liability, products liability for the food you serve, business interruption if the shop cannot trade, and equipment breakdown. Shopfront glass, money and other covers are added to suit how the chippy runs.
Why is the frying range and hot oil the biggest fire risk?
Fire is the standout risk in a fish and chip shop. Deep-fat frying with hot cooking oil is the leading cause of chip-shop fires, and a single range fire can gut the premises and stop you trading. Fire cover pays to repair or rebuild and to replace the range, equipment and stock lost, and insurers ask about fire suppression and regular flue and ductwork cleaning.
Does it cover the frying range and equipment breakdown?
Yes. The frying range is the most expensive item in a chippy and central to trade, so cover for the range, fryers, refrigeration and freezers against sudden damage and breakdown matters. A breakdown that stops frying can close the shop, so equipment breakdown cover pays to repair or replace the unit and can sit alongside stock and business interruption cover.
Does it cover frozen and refrigerated stock if a freezer fails?
Yes, if you add stock deterioration cover. It pays for frozen and refrigerated stock, such as fish, that spoils when a freezer or fridge breaks down or after a power cut, which is a serious loss for a chip shop holding perishable stock. Insurers may ask that refrigeration is serviced, and you should set the limit to the value you hold at a busy period.
Does it cover food poisoning, allergens and customer injury?
Public liability covers a customer injured on your premises, for example slipping on a wet floor or being burned by hot food across the counter. Products liability responds if the food you serve causes illness, an allergic reaction or injury from a foreign object. Batter contains gluten and you serve fish, so accurate allergen labelling under Natasha’s Law supports both safety and any defence.
Does it cover a mobile chip van or delivery?
A shop policy does not automatically cover a mobile chip van or delivery. A mobile chip van is arranged with cover for the van and its cooking equipment, and goods in transit can be added. If the shop delivers, riders and drivers carrying orders for payment need hire and reward motor cover on their vehicle, which is a separate product from the premises policy.
Do I need buildings cover or just contents?
It depends on your lease. If you own the freehold, or your lease makes you responsible for the structure, buildings cover protects the premises and shopfront against fire and other damage. If the landlord insures the building, you cover contents instead, the frying range, equipment, fixtures and stock. Many chippies need both the structure and what sits inside it protected.
Does it cover lost income after a fire?
Business interruption replaces the income a chip shop loses when it cannot trade after an insured event such as a fire. It pays lost gross profit and the extra cost of getting back to normal, for example hiring a temporary unit or range, over an agreed indemnity period. A range fire can take months to put right, so set the period long enough.
Why will a standard shop or home policy not do?
A chip shop is a hot-food frying business, and the hot-oil fire load, extraction and ductwork, late evening trade and sometimes a flat above mean a standard shop or home policy will not fit. A home policy excludes business use, and a plain retail policy is not written for deep-fat frying, so cover is placed with insurers that accept the chip-shop trade.
How can I keep the premium down and compare?
Good risk management can help. Fire-suppression over the range, regular flue and ductwork cleaning, safe oil handling, alarms, shutters and CCTV cut the chance of a fire or theft claim, and insurers often view a well-protected chippy more favourably. Some cover is conditional on this equipment being fitted and maintained. Comparing quotes through a specialist broker panel helps you find the right cover.
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