Fish and Chip Shop Insurance

We specialise in fish and chip shop insurance though our Takeout Insurance Services.

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Our Solution for You

As the owner of a fish and chip shop, you’ll appreciate the importance of having the right insurance policy in place, not least because of the risks involved when working with hot oil, general kitchen equipment, sharp utensils, and serving the general public.

While we can’t prevent accidents from occurring, we can ensure you have adequate cover in place to protect your business. At SME Insurance Services, we specialise in providing insurance for fish and chip shops through our dedicated brand Takeout Insurance Services, and we’re proud of our status as Associate Member of the National Federation of Fish Fryers (NFFF).


We will beat your renewal premium*

Mon-Fri: 9am - 5pm

Call our team of insurance experts to receive a no obligation, instant quote today.
Don’t forget to reference “Beat your renewal offer” at the beginning of the quote.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £337.50

In the past 12 months our customers have paid as little as £337.50*** per annum for fish and chip shop insurance.

56%**** of our fish and chip shop customers paid less than £1000 per annum in the past 12 months

Our Convenient and Competitive Solution

Running a fish and chip shop is a hectic business, so the last thing you want to do at the end of a shift is waste your valuable free time phoning around to obtain a number of different policies to cover the various aspects of your business.

By opting for business insurance with SMEi, you can rest assured that your business is in safe hands. We’ve sought the advice of experienced professionals so our knowledgeable team has the skills and expertise to put together a policy that covers all your requirements in a single solution. And because each policy is tailored to fit your specific needs, you won’t waste money on cover you don’t need.

To discuss your requirements and obtain a quote, simply call our friendly, experienced team and we will create a solution especially for you.

If you’re a member of the NFFF, we are pleased to offer new customers a 10% discount by quoting “NFFF” to our team. And we can offer a further 10% discount to new customers who hold a Fish and Chip Quality Award.

A Comprehensive Business Insurance Solution

Our business insurance for fish and chip shops includes:

Public liability insurance:

In case a member of the public is injured or their property is damaged while on your premises.

Employers liability insurance:

If you employ staff for your fish and chip business, you’re legally responsible to have employers insurance in case they make a claim for injury or illness as a result of working for you.

Contents insurance:

This protects the contents of your fish and chip shop, including all equipment and tools necessary for your work. It can also include protection for stock, and refrigerated, frozen, or hot food cover.

Business interruption:

If your business is unable to operate due to repairs or a supplier going out of business, this will help to reimburse you for loss of income and cover your overheads.

Buildings cover:

If you own the building, you need buildings cover in case of damage due to fire, theft, flood, or accidental damage.

Financial cover:

Protects money on your premises, including in a safe.


There are also a number of optional extras you can include if necessary, including subsidence, legal expenses, goods in transit, tenants improvements, and terrorism.

To find out more about our specialised business insurance for fish and chip shops or to obtain a quote, contact SMEi today to discuss your requirements with a member of our expert team.  


Terms and Conditions
* We will need written confirmation of your renewal premium from your current insurer in order to guarantee the saving. Where an insurer has a minimum premium the saving cannot apply below this amount. Applies to commercial package insurances only. Offer applies to new clients only and may be withdrawn at any point. Not to be used in conjunction with any other offer. Subject to underwriting criteria. You will need to reference “Beat your renewal offer” at the beginning of the quote.

** Standard and optional cover may differ dependent upon insurer.

*** Premium stated is the lowest price paid in 2016. Data compared from 976 policies sold between January 2016 and January 2017.

**** Based on 976 policies sold between January 2016 and January 2017, 546 customers paid less than £1000.

Takeout Insurance Services is a trading style of SME Insurance Services Limited. SME Insurance Services Limited, a wholly owned subsidiary of Marsh Limited, is registered in England & Wales (No: 03798294) at 1 Tower Place West, Tower Place, London EC3R 5BU. SME Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No: 306057). Marsh Ltd is registered in England & Wales Number 1507274. Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU and is authorised and regulated by the Financial Conduct Authority (Firm Reference No 307511). Copyright © 2017 Marsh Ltd. All rights reserved.


We will beat your renewal premium*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.
Don’t forget to mention “beat your renewal offer” when you speak to our team.

Direct quote line

Call our team to receive a no obligation, instant quote today.
Don’t forget to mention “beat your renewal offer” at the beginning of the quote.

Call the quote line: 0330 134 4564

Mon-Fri: 9am - 5pm

Related Articles

All You Need to Know About Setting Up a Fish and Chip Shop

To help get your fish and chip business off to the best possible start, here’s an overview of all you need to know.

Posted 25/09/2016
Related FAQs See all FAQs

We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.


It is helpful to have any previous insurance policies handy, and any renewal documentation or information you have got so far. It doesn’t matter if you don’t have them though, we will guide you through the relevant questions. Basic details about your business and property will be needed, if you have any tools or stock to insure for example, their value would be required also.


Yes, please leave your details with us and we will call you to talk about your insurance closer to the time.

Feefo Reviews
Based on 117 reviews

91% of our customers would recommend our service.

Customer Testimonials
Fullers Bakery has used SMEi for the last 3 years for both business premises and motor insurance. The changeover from our previous insurers was seamless and efficient with queries and special requirements all handled very professionally. We have just entered our third year of cover with CBAIS and based on the previous two years, we look forward to a continued healthy working relationship well into the future.

George Fuller

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