Fish & Chip Shop Insurance

Having the right insurance in place is key for fish and chip shops as you could have to pay out hefty legal fees, compensation, or suffer financial losses if something goes wrong like:

• A customer claims they got food poisoning
• A fryer catches fire and damages your kitchen
• A customer slips on a wet floor and gets injured
• Your stock spoils due to a power outage
• An employee burns themselves on a grill

Fish and chip shop insurance helps cover your losses if a claim is made against you or if you need to make a claim.

Prices could start from around £2.33 per day*.

All fish and chip shops are different, your actual price depends on a number of factors, including:  

• Extent of cover — The more cover you opt for, the more expensive your package will likely be. 
• Your insurer — Depending on the insurer you go with, the price will vary. 
• Location — The location of your business is taken into consideration when calculating the cost of your premiums. 
• Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.

Costs are tailored to your circumstances, so it’s important to compare options and choose the right level of cover for your business.

_{*This price is for a fish and chip shop customer  – 10% of customers who were sold with one of our panel providers paid £847.80 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £70.65 a month or £2.33 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

Most policies cover deep-fat fryers under equipment insurance, but you should tell your broker if you use deep fat fryers to make sure you’re sufficiently covered. 

Yes, if you have multiple fish and chip shops, speak to a broker to arrange the right policies for each of your  shops. 

We can cover the food being delivered by the takeaway driver, but the driver must hold their own public liability and business vehicle insurance.

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find the right cover.

Our UK-based team helps business owners daily, using smart technology to compare insurance quotes and find the one that fits just right. Get in touch today by starting a quote with us online, whether you run a fish and chip shop, kebab stall, pizza parlour or anything in between.