When you own a takeaway establishment like a fish and chips shop, there are many aspects to consider. Not only do you have to keep your employees and customers satisfied, but you also have to consider takeaway insurance. Here’s something fish and chip shop owners should know about their insurance.
Many insurance claims in the takeaways sector fall into three areas:
- Injury to employees
If you have the correct insurance in place, your policy should cover these. However, there are provisos involved. Let’s take a look at each of them.
Fires can start from a variety of reasons. Most would be covered by your existing insurance policy as a standard peril. However, if the fire started from an electrical short circuit, your restaurant insurance policy would only cover it if there is an up-to-date electrical certificate in place. If the electrical certificate is out of date, then the insurance policy will not pay out.
2. Injury to employees
Injury to employees is also not an uncommon event in a takeaways business. From cuts by knives, burns from frying or flames to simple slips and trips, employee can easily be injured. To ensure that you are covered, should such an event occur, your policy must include employer’s liability cover. This covers you, the business owner, and pays out if you have been negligent in protecting your employees. Carry out periodic reviews of working practices (health & safety) to prevent future injuries is a must.
If a customer complains of being poisoned or become ill from eating at your takeaway, then your hygiene needs to be looked at from the ground up. All kitchen and cooking practices must be reviewed periodically to ensure they’re in line with hygiene, health and safety regulations and to prevent being shut down.
From an insurance perspective, the public liability section of your policy would deal with the claim from the customer.
As you can see, shop insurance is invaluable in this sector. Ensure that you and your business are protected in the event of accidents and be aware of your responsibilities as a business owner.
If you require advice or any help with your takeaway insurance, contact Titan Insurance on 0207 731 3700 or drop us an email. With over 30 years’ experience, our knowledgeable team are here to assist.