subject: Fish and Chips Shop Insurance [print this page] One of the best things about the modern insurance world, is that you can get tailor made policies that match your business. Take the fish and chips shop insurance which is the best cover you can get for protecting a business that is all about providing good takeaway food on demand.
The problem for many owners, is that they don't see the need for a specific policy, such as fish and chips shop insurance. Some think that a standard policy, say one that accompanies their adjoining home, will cover any accident they might have in the fish and chip shop. Not so. Home and content insurance policies just aren't valid when it comes to fish and chip insurance.
You have to remember that you not only have to protect your business and premises, but you have to also protect yourself, employees and customers. It's a lot to cover, but unless you get specific fish and chip shop insurance cover, then you are risking a great deal.
Look out for insurance policies that provide you with the best possible range of provisions. Let's take a quick look at what the insurance cover should cover.
Firstly, and one of the main areas, is Contents. Your policy should protect your stock, shop equipment and other bits and bobs from the usual nasties, including floods, storms and fires. Owners of fish and chip shops won't need reminding that the risk from fires is very great of course.
Secondly, employee liability is there to protect you in case someone in your employ gets injured at work. The cover should include damages, expenses and legal costs.
Thirdly, a further clause should cover public liabilities, just in case a customer, or someone visiting your premises, is injured, or if their property is damaged. Remember that takeaway premises can be full of potential dangers for customers and deliverymen.
Fourthly, get cover for business interruption. Should your business be prevented from trading, this provision will keep you going following a claim.
Fifthly, make provision for if you happen to lose your alcoholic licence; if you have one of course. This covers you against profit loss if the licence is lost through circumstances out of your control.
Finally, if your accounts are lost, or damaged; get cover for any monies that might be owed by customers which cannot be quickly collected. Your business might be quite simple, but suddenly lose your books and things won't look so rosy. And money owed, but not collected, quickly creates a cashflow problem.
So if you want the comfort of knowing that you're business is covered by a tailor made fish and chips shop insurance, then speak to Titan now. It will save you time, money and grief.
Fish and Chips Shop Insurance
By: Maline Morgan
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