Insuring a fish and chip shop, takeaway or restaurant involves specialist considerations that go beyond standard business insurance. From frying processes and hot oil to extraction systems, equipment and food storage, it is essential that your policy reflects the true nature of your operation. Thornhill Insurance arranges fish and chip shop insurance designed specifically for the fast food industry.
We have specialised in insuring fast food businesses since 1982 and are proud Associate Members of the National Federation of Fish Friers. Through ongoing involvement in industry courses and meetings, we maintain a strong understanding of the risks facing fish and chip shops and how to insure them correctly.
By working closely with the National Federation of Fish Friers, we have developed insurance policies that deliver comprehensive protection, competitive premiums and reliable service. Our fish and chip shop insurance packages are designed to protect both you and your business, allowing you to focus on serving customers with confidence.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Fish and Chip Shop Insurance
What is fish and chip shop insurance?
Fish and chip shop insurance is designed for takeaways and restaurants operating frying processes using a full frying range system, providing cover that reflects the risks of hot oil, equipment and food handling.
Why does my fish and chip shop need specialist insurance?
Standard business policies often exclude or restrict cover for frying risks. Specialist insurance ensures your policy is valid and suitable for your operation.
What covers are typically included?
Policies can include public liability, employers’ liability, buildings insurance, contents, stock, frozen food and goods in transit.
Is public liability insurance included?
Yes. Public liability insurance is a key part of the policy and can be arranged with cover up to £10 million.
Do I need employers’ liability insurance?
If you employ staff, employers’ liability insurance is a legal requirement and can be included with cover up to £10 million.
Is frozen food covered?
Yes. Frozen food can be included to protect stock against loss or damage.
Can stock and goods in transit be insured?
Yes. Contents, stock and goods in transit can all be included within your policy.
Is this insurance suitable for takeaways and restaurants?
Yes. Cover can be arranged for fish and chip shops, takeaways and restaurant operations.
Specialist Insurance for Fish and Chip Shops
Fish and chip shops face unique risks that require insurers with specialist knowledge of the fast food sector. Thornhill Insurance works with insurers who understand frying operations, equipment hazards and food-related risks, ensuring your policy provides meaningful protection.
Our tailored approach allows us to design policies around your premises, processes and staffing levels. This ensures you are not paying for unnecessary cover while maintaining strong protection against potential claims and losses.
With access to expert claims support and ongoing policy reviews, your insurance remains fit for purpose as your business develops.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106