Owning a fish and chip shop is a true Australian tradition. But behind the fryers and the fresh seafood, there are serious business risks that every operator needs to manage carefully. From fire hazards to slippery floors and food spoilage, the right fish and chip shop insurance protects your business, your staff, and your customers.

At Morgan Insurance Brokers, we specialise in hospitality insurance. We understand the unique risks of running a fish and chip shop and can tailor a package that keeps your business safe and compliant.

Why Fish and Chip Shops Need Specialised Insurance

Fish and chip shops face risks that many standard insurers don’t fully understand. Common challenges include:

• Fire Risk: Large deep fryers, oil vapours, and cooking equipment create a high fire risk.
• Slippery Floors: Constant handling of oil and seafood can lead to slip and fall hazards.
• Cold Room Safety: Some shops have cold rooms insulated with Expanded Polystyrene (EPS), which is highly flammable and often excluded by standard insurers.
• Seafood Storage: Fresh and frozen seafood must be stored at strict temperatures. Power outages or equipment failures can cause stock spoilage and major financial loss.

These operational realities make it crucial to choose an insurance broker who understands hospitality risks and works with insurers that specialise in food and takeaway businesses.

Business Package Insurance for Fish and Chip Shops

A Business Package Insurance Policy provides a strong foundation for protecting your fish and chip shop. It combines several essential types of cover into one flexible policy.

Contents and Stock

Covers your cooking equipment, refrigeration units, fryers, counters, and stock from fire, theft, or accidental damage. Fresh seafood, frozen chips, and other perishables can also be insured against spoilage.

Public Liability

Protects you if a customer or member of the public is injured or their property is damaged due to your business activities. Slippery flooring and hot oil hazards make this one of the most important covers for any fish and chip shop.

Machinery Breakdown

Provides cover for the sudden failure of key equipment such as cold rooms, fryers, or refrigeration units. It includes the cost of repairs or replacement to keep your business trading.

Electronic Breakdown

Protects POS systems, EFTPOS terminals, and other electronic devices against power surge or equipment malfunction.

Glass Cover

Covers accidental damage to shopfront windows, internal glass partitions, and display cabinets.

Business Interruption

Helps you maintain income and cover ongoing expenses if your shop is unable to trade after an insured event such as fire or storm damage.

Money and Theft Cover

Protects against theft or damage to cash and property caused by break-ins or burglary.

Management Liability Insurance

If your shop employs staff, Management Liability Insurance protects the owners and management team from claims or investigations related to employment practices, safety breaches, or mismanagement.

This can include:

• Unfair dismissal or discrimination claims
• Occupational health and safety investigations
• Allegations of employee harassment or bullying
• Regulatory fines or penalties

Fish and chip shops often rely on casual and part-time staff, making this type of insurance an important safeguard.

Cyber Insurance

Even small hospitality businesses use technology daily, from digital EFTPOS terminals and delivery platforms to online ordering systems. Cyber Insurance protects your business from cybercrime, ransomware, or data breaches that could disrupt your operations or compromise customer details.

Why Standard Insurers May Decline or Limit Cover

Because of the high fire load from cooking oils, EPS panelling, and seafood storage risks, many general insurers are unwilling to cover fish and chip shops. Those that do often impose strict conditions or high excesses.

Morgan Insurance Brokers has access to a panel of specialist hospitality insurers who understand the industry and can provide competitive cover even for higher-risk setups. We ensure your policy includes fire coverage, stock protection, and business interruption tailored to your business’s risk profile.

Why Choose Morgan Insurance Brokers

Morgan Insurance Brokers are experts in hospitality and takeaway shop insurance. We know what insurers look for when assessing fish and chip shops and can help you prepare the right information to get your business covered properly.

What we offer:

• Access to specialist insurers that cover high-risk hospitality businesses
• Tailored insurance solutions designed for food retailers and takeaway operators
• Expert guidance on compliance and risk reduction
• Dedicated claims support and advocacy

We work for you, not the insurer, ensuring your fish and chip shop is fully protected and compliant.

Get a Quote for Fish and Chip Shop Insurance

Protect your fish and chip shop from unexpected loss, equipment breakdown, or fire damage with a tailored insurance package from Morgan Insurance Brokers.

Contact us today for a free, no-obligation quote and let our team find the best cover for your business.

Get a Quote