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Fishmonger Insurance

A Fishmonger’s Shop can Contain Hazards for Workers and the General Public, so it’s Important that your Business is Fully Protected with the Right Insurance

A successful independent fishmonger will have a reputation for fresh, good quality ingredients that have been prepared to their customers’ requirements. Similarly, we make sure that our customers are fully insured with a high quality insurance package that has been tailored to their individual needs.

Life as a fishmonger is hugely rewarding, and every day can be different. As the owner of a fishmongers shop, such as B. Shrigley & Son in Liverpool (pictured above), you know the hard work and dedication that goes into running your business.  We can take care of the insurance side of things for you, making sure that you’re fully protected, and leaving with you more time to spend doing what you love – running your business.

Fishmongers source, prepare and sell fish to the public, and food safety is paramount. As you’re dealing with food, and staff members will often work with sharp tools, it’s important that you have your liability insurances up-to-date. Employers liability, public liability and product liability insurance are all important for protecting the future of your business.

If you find your requirements are more complex and fall outside the usual areas that insurers typically offer cover for, then we can often still provide a quotation. These include:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.

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Why Insurance is Important for Fishmongers

Insurance is important for any business that works with food, especially when your employees are using potentially hazardous equipment.

Risks can come from the food itself, should a customer suffer from an allergy or reaction to fish they’ve bought from you. You could also face costs if an employee becomes ill or injures themselves, whilst at work.

We can also help you cover you for any loss of income that occurs should a disaster interrupt the running of your business.

The types of cover that you can arrange include:

  • Public and product liability – protection from liability for injury to customers or their property – this is particularly important in the food industry as it can protect you in the event of food poisoning.
  • Employers liability – this can cover you if an employee injures themselves in the workplace.
  • Business interruption cover – this can provide financial protection for your business in the event of an insured risk. For example, covering your wages and expenses during a period of closure due to fire or a flood.

These are just some of the covers that are available, but it’s advisable to speak to a member of our team to establish exactly what you need to protect your business.

About the Fishmonger Industry

Whilst many supermarkets have introduced fish counters to their stores, fishmongers continue to be a popular place for customers to buy fresh fish.

Visiting a fishmonger is a great opportunity to support an independent business, and to source, fresh, high quality and often local ingredients on the high street.  Your fishmonger should be able to give you advice on the fish you’re buying, explain where it’s sourced from, and even advise on how best to fillet and prepare your fish for cooking.

Fishmongers are responsible for preparing and selling fish, and related products such as crab and other shellfish. Fishmongers are some of the most widely skilled workers in the fish industry. They need to be trained in customer service, food preparation, product knowledge and have a high level of food hygiene standards. ***

* Please click here to view our pricing disclaimer.

** Data compared from 12 policies sold in 2020.

*** http://www.seafish.org/training/onshore-training/retail-fishmongering


Frequently asked questions

Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example.

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor, you may be liable to pay compensation costs. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

Quotes from well-known and specialist insurers, including:

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