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Fish and Chip Insurance

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Fish and chip shop insurance

Fish and chip insurance NZ

Fish and chip shop insurance is a type of business insurance tailored specifically for the unique needs and challenges faced by fish and chip shops in New Zealand. This insurance helps protect shop owners from potential financial losses that can arise from unforeseen events, such as accidents, theft, or property damage.

Why is fish and chip shop insurance important? 

Owning a fish and chip shop comes with its own set of responsibilities. There’s the constant interaction with customers, the handling of raw materials, and managing employees, to name a few. With all these operations going on, there are a lot of things that can go wrong, from a customer claiming food poisoning to a fryer causing a fire. Having insurance ensures that when these unexpected events occur, your business has the financial backing to recover and continue operating without incurring heavy losses.

In New Zealand, the average cost of fish and chip insurance typically ranges between $200 – $350 per month. 

It’s crucial to have fish and chip coverage if your business:

  • Serves food to the public
  • Employs several staff members
  • Owns or rents a physical premise
  • Uses deep fat fryers

What covers are typically included in fish and chip shop insurance? 

Public Liability

This policy covers common fish and chip shop business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps fish and chip shops cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Contents Insurance

Business contents insurance in NZ is for protecting all the important stuff inside a fish and chip shop. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Stock Insurance

Stock insurance in NZ is a type of coverage that helps protect fish and chip shops from the loss or damage to the items they sell.

Best For
  • Mishaps 
  • Natural Disasters
  • Fires

Employers Liability

This insurance helps protect fish and chip businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

Employment Disputes

This insurance in NZ covers fish and chip shops legal costs and other expenses arising from disagreements between employees and their employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

Building Insurance

Building insurance in NZ is a type of coverage that helps pay for repairs or rebuilding if your building or commercial property gets damaged. 

Best For
  • Accidents 
  • Natural disasters
  • Fires

Business Interruption Insurance

Helps protect fish and chip shops when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

How much does fish and chip shops insurance cost?

Fish and chip shop insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Fish and chip shops insurance in NZ typically costs between $200 to $350 per month

Who needs fish and chip shop insurance?

Any business owner operating a fish and chip shop in New Zealand should consider obtaining this insurance. Whether you’re a small, family-run establishment or a larger chain, the potential risks remain, and having the right insurance can safeguard your business assets, employees, and reputation.

Yes, most fish and chip shop insurance policies will cover damage resulting from fryer fires, including property damage and any associated business interruption. However, it’s essential to ensure that your policy specifies this coverage and to follow the conditions on the policy such as regular cleaning or fire blankets in close proximity. 

Generally, fish and chip shop insurance can include coverage for food contamination or spoilage, especially if caused by equipment breakdown or power outages. However, specifics can vary by policy, so it’s essential to read your terms or consult with your insurance broker to ensure this is included.

How do I get proof of fish and chip shop insurance

You can usually get proof of fish and chip shop insurance same day when you purchase insurance through Gerrards.

Acquiring a fish and chip shop insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our fish and chip shops insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does fish and chips insurance not cover?

Natural Wear and Tear

Over time, equipment gets old and may break down. Insurance won’t typically cover these.

Intentional Damage

Any damage done purposely to your property or business will not be covered.

Pollution

If your shop causes environmental harm, this might not be included in standard policies.

Other common questions about fish and chips insurance

Absolutely. As your business evolves, so can your insurance coverage. It’s crucial to periodically review and adjust your policy to ensure it matches your current needs.

Yes, a typical policy would cover losses from theft or robbery, including cash, equipment, or inventory. Ensure you have an updated inventory list and secure practices in place.

Yes, general liability insurance, often part of fish and chip shop insurance, will cover customer injuries that occur within your premises.

If your shop offers delivery, you can often add commercial auto insurance to your policy to cover any delivery vehicles and associated risks.

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