Fish and chip shop takeaways normally fall under general category of business insurance and can easily be obtained from specialist commercial insurance brokers that specialise in insurance products for takeaways and restaurants. A typical business policy will provide cover for the following risks (not a complete list, check you quote for the exact coverage details);

• Fixtures & Fittings
  

  Fish and Chip Shop Insurance

• Deep Fat Frying (Range or Basket Fryers)
• Business Contents
• Damage to Glass
• Damage to Blinds & Signs
• Goods in Transit
• Theft of Keys
• Loss of Money
• Personal Accident & Assault
• Loss of Freezer Contents
• Seasonal Increase of 30%
• Outside Catering Cover
• Loss of Metered Water
• Damage to Landscaped Gardens
• Rent Payable Cover
• Business Interruption – due to fire, theft or destruction of your business equipment / premises
• Loss of Accounts Receivable
• Loss of Liquor Licence – provides cover for in the event of the forfeiture or withdrawal of the Licence in force.
• Employers Liability – claims arising from employees who were injured whilst at work.
• Public & Products Liability – claims arising from members of the public for injury or property damage and even food poisoning from your products.
• Business Legal Expenses – provides cover for legal disputes with limits of up to £100,000 as standard on most policies.
• Shop Building Cover – only required if you own the building or the landlord insists that it is a condition of the lease that the tenant has to have the buildings insured as well.

Check with your business insurance provider what is covered under their fish and chip insurance policy and more importantly what is not covered and important endorsements and warranties that may apply. Remember if you are unsure about any aspect of your quotation or you just need clarification, contact the provider and ask them to explain it to you. Prices vary considerably from one insurer to the next so to compare business insurance quotes try to obtain at least three different quotes. This will give you a good idea as to the costs involved and allow you to obtain a cheap fish and chip shop insurance policy

Fish and chip shop insurance should be treated as investments rather than a cost as it could be the difference between survival and failure.

For more information on fish chip shop insurance or to get a quote please contact Active Insurance, the specialist commercial insurance brokers.

Online small insurance quotes

Many small business insurance providers also offer instant online quote portals that can offer tailor made covers to suit the needs of most small business owners. Some providers also offer enhanced policies that will also provide assistance to the business owner in terms of Health & Safety legislations including employment legislations.

At the very least a small business owner should consider the following liability insurance covers:

Public Liability Insurance – provides protection to your business against claims arising from third party property damage and or injuries (even death) as a direct result of your small business activities.

Employer Liability Insurance – provides protection for your small business from claims arising from any employees that you employ. Typical claims include injury or accidents. This level of cover is a legal requirement if your business employs staff.

Professional Indemnity Insurance – provides protection for your business from claims arising as a result of you or your business giving incorrect advice to a customer who in turn suffers a financial loss as a result of your advice. Certain professions such as solicitors, insurance brokers and accountants are required to have this type of cover in force by law.

Directors and Officers Insurance – is often overlooked by most businesses. This type of policy will provide cover for a Director of the company that is being sued.

Other small business insurance covers available:

Buildings and Contents – This is probably self-explanatory. It is important to have a buildings insurance cover in place if you own the property and also the business contents and fixtures.

Stock and business equipment – again a very important insurance cover for any business that has stock and or business equipments such as computers, laptops etc. These can be very expensive to replace in the event of loss due to a fire or even theft.

There are a whole array of additional options available to small businesses such as legal expenses insurance, business interruption, goods in transit to name a few. You will need to assess what is right for your business and in many cases a lot of these additional covers come as part of a package policy.

Active Insurance is a leading UK provider of small business insurance quotes for any sized UK business. For a quotation or any advice contact our commercial insurance department on 0844 477 9805.

Builders Insurance Quote System

As a self-employed builder or a building contractor you job can expose you to many risks associated with third party property damage and injury claims. A claim against you or your business can have devastating effects on your business. As such a builders insurance policy for public liability is absolutely essential. Also is the option of insuring your tools or any plant that you may have or have hired-in. Some of the builders tools can cost hundreds if not thousands of pounds to replace should they get stolen. If your building firm employs staff, even on a temporary basis then by law you also need to have adequate employers liability insurance cover in place.

All builders that are self-employed should seriously consider a builders public liability insurance policy. A building contractor’s policy is usually known as tradesman insurance by the insurers. Without this protection your business could face serious financial problems should a third party claim arise against you.

A builders public liability insurance policy can easily be tailored to suit you specific requirements. If additional cover is required at a later stage then this can be included as and when required. This would obviously incur an additional premium to pay.

Liability Options for Builders;

• Public Liability Insurance – This will provide coverage from claims arising from third party property damage and bodily injury claims that have been caused by you or your firm. This type of cover is essential and all builders should have it even though it is not compulsory by law. Level of cover available is typically £1m, £2m, £5m and even up to £10m. The most common level taken up by builders is usually the £5m public liability.
• Employers Liability Insurance – If you or your building company employs any staff, temporary employees or casual labour then this cover is compulsory by law. The EL insurance will provide compensation to your Employee’s if they are injured or death occurs whilst they are carrying out their duties for you or your business. Every year thousands of accidents occur on building sites throughout the UK.
• Professional Indemnity Insurance – If you or your firm is giving advice to customers and as a result of this advice your client suffers from financial loss you could be held liable. The PI insurance will provide cover for these type of claims.

Public Liability Insurance for Building Contractors

Compare builders insurance with Active?

At Active, our online builders insurance quote system provides a comparison quote for all types of tradesman. Enter your details once into our system and within seconds over 8 top UK insurance company’s quotes are available for builders insurance.

The level of cover required on builders insurance can easily be tailored to your needs with many additional great options available such as legal expenses cover and personal accident cover.

Premium can be paid online in either a single payment or your can spread the cost of your insurance over 10 easy monthly payments. Your builders insurance documents are available to you to print immediately or if you prefer they can be saved on your computer.

Active Coffee Shop Insurance

As an owner of a coffee shop you can make the perfect latte or a cappuccino, but with a coffee shop insurance policy tailored to your shop can make all the difference to the success of your business.

If you are a local  coffee shop serving the best latte, cappuccino and snacks in town or the chic establishment  serving gourmet coffee drinks,  juices,  pastries and biscuits, Active Insurance understands your unique needs when it comes to choosing a coffee shop insurance policy.

Partner with us and take the worries off your plate. We have been providing a personal and a professional service for more than 15 years. And since insurance for coffee shops is one of our specialities, we can work with you to select a plan that fits your business and your budget, even if you are sandwiched between high risk premises.
 
To get you started, here are some common concerns coffee shops have in common, along with some ways we can help with trusted coffee shop insurance and some tools you can use to help yourself. When you’re ready to speak to an agent, don’t get in a stew, call us and ask for your free coffee shop insurance quote at low, low prices.

‘What if my shop inadvertently sells contaminated food or drinks and my customers get sick? – Don’t worry, our coffee shop insurance products include liability for food poisoning.’

‘What if one of my customers slips and falls on spilled coffee?  Again, your shop insurance cover includes liability to the public and your employees.’

Save on your business insurance by comparing quotes from Active

Most online business insurance aggregators provide a standard package type policy for small to medium enterprises that comprises of a standard set of cover. This typical package may not be suitable for your business; you may need a more bespoke package that is tailored to the requirements of your business needs. There are providers that offer tailored made business insurance online. Most have online quote systems that will compare business insurance quotes with multiple providers.

When filling out an online quote form for your business insurance, remember to answer all questions accurately. Also, most of the online systems offer a lot of additional option extra’s and if these are selected the overall price of the insurance will be higher. Tailor the cover for your business needs and choose the level of cover and the type of cover you need to reflect your business specifically.

With so many insurers vying for commercial insurance, now is the best time to shop around to see if you can obtain a cheap business insurance cover. Many brokers with online business insurance quote systems offer discounts when purchased online. If you are unsure as to what you need, give them a call and get clarification before proceeding to incept the  policy online.

It doesn’t matter if you operate your business from an office, shop, home or even a building site, there are many providers that offer excellent levels of cover at highly competitive premiums for all types of business insurance

Active Insurance is a leading UK broker, providing business insurance solutions for small, medium and large businesses.

Active -saving you money on small business insurance

Anyone thinking of starting a business has to consider many things to make the venture a success. As well as doing market research and making a business plan you have to consider whether you need to recruit staff, where to purchase equipment and goods suppliers. One thing that slips the mind of most new start-ups is the small business insurance component. For any business this is essential and can save a lot of money in the event of claim against your business. Below are some suggestions as to how you can obtain a cheap business insurance quote.

Research and compare business insurance quotes online

There are many insurers that offer commercial insurance policies but you do need to remember the level of cover and terms can differ considerably from each insurer. The best solution is to shop around and find a specialist insurer or a broker that have in depth knowledge and experience in business insurance products. Do not automatically accept the first quotation but shop around and try to obtain at least three different quotations to compare. Sometimes cheapest is not always the best. Always read the policy conditions and ensure that it meets your exact needs. Business insurance policy is probably best obtained from a broker that specialise in commercial insurance. Some have online comparison quote systems but it’s still best to call them and clarify any queries that you may have.

Summary of business insurance cover

Another important thing to remember is that there are a lot of different aspects of the policy that need to be taken into consideration other than the price. What will be covered in certain situations? What is the policy excess for the Insurance? What is covered? Are there any situations where the insurance would not cover; fire, theft or flooding?  These are a few things you must consider when looking to insure your small business. If you do not inspect the policy thoroughly before incepting it, your policy could work out more expensive in the future if you are not aware of what your money is covering.

Using specialist small business insurance companies

The above are a few pointers in getting the correct small business insurance policy for your venture. By doing a bit of research can save you a lot of time and money in the future, especially if you have to make a claim under the policy. Speak with a commercial insurance advisor for the best possible advice and for a competitive quote. A broker will ensure that they will search the whole of the market on your behalf and at the same time providing you with a low cost business insurance policy for your precise needs. With the advances in technology a business insurance quotation can be done online in a matter of few minutes. When considering which policy to take out remember that the cheapest business insurance quote may not provide all the cover you may need.

To compare small business insurance quotes online please visit the Active Insurance website. Active are one of the leading commercial insurance brokers in the UK.

Active Business Insurance

Anyone thinking of starting a new small business venture will need to consider business insurance for their protection. In many cases many new entrepreneurs tend to forget this important element as part of their business plan / strategy. Small business insurance is a crucial element for any business to succeed.

Start by researching business insurance companies that offer commercial insurance quotes. There are many companies that offer online quotations with some even comparing a range of insurers for small business insurance quotes.

Most businesses are susceptible to many risks including fire, flood, storm damage, theft and malicious damage probably being the most common of risks. Most business insurance policies also provide cover from natural catastrophes’ such as flood damage and storm damage as well as standard risks such as arson and theft. Business insurance policies do differ from insurer to insurer and as such it is important that you read and understand exactly what is covered and more importantly what is not covered. Also note any significant endorsements, conditions and warranties that may apply to the policy. Remember to disclose all material facts to the insurer prior to taking out a small business insurance policy as any material facts not disclosed could lead to your policy being invalidated.

Another important aspect of a small business insurance policy is the liability section. Most packaged commercial policies will include both the public liability insurance and the employers liability insurance covers. The liability insurance cover provides you and your business against claims arising from injury from a member of the public or your employee who have been injured whilst on your business premises. If you provide work away from the premises the cover will still apply. Product liability insurance is also usually included and provides cover for any damage or injury caused by a product you supply.

Active Insurance Provide all types of small business insurance including cover for businesses that operate from home.

Compare Shop Insurance

There literally are hundreds if not thousands of different brokers and shop insurance companies available on the internet in the UK. With such a wide range of options open to business owners you can usually obtain a cheap quote for your retail shop business with relative ease. Someone out there will provide an insurance policy that will be suitable for your requirements. Many independent professional insurance brokers have online shop insurance comparison tools so that you have the option of comparing prices and levels of cover from multiple providers. With the help of search engines such as Google businesses can find hundreds of shop insurance providers with a few clicks of the mouse. If you prefer to transact business face to face or over the phone, narrow you search to your local area and find a broker that specialises in business insurance and get in contact with them. Usually online shop insurance quotes are cheaper as the cost to the insurance brokers is reduced in terms of administration and processing paper application forms.

Taking time

Whether you’re an existing business looking for an alternative provider or a new shop keeper and looking for a competitive shop insurance quote then take your time. Due to the nature of policy wordings in insurance documents you must ensure that the cover you have chosen fits the needs of the business. Also you must disclose all material facts to the insurer as accurately as you can as the shop insurance premium will be based on the information you supply. Supplying incorrect information could to your business insurance cover being invalidated or a claim not being paid. If time allows, try to obtain a minimum of three quotes from different suppliers to give you a good indication of the costs for your shop insurance policy. Sometimes even picking up the telephone and haggling with your advisor can also work.

Paying for you shop insurance policy

Most shop insurance policies can be either paid in full at the time of taking out the insurance cover or they can be spread out over 9, 10 or even 12 months with some insurers. By paying on monthly instalments will usually attract an interest rate of normally 10 to 12 percent. Obviously this will increase the cost of the policy as the finance provider is charging interest on the balance. If you can pay the complete balance from the outset you will save the additional interest charges.

Active Insurance provides a wide range of business insurance products including cheap shop insurance.

Even though Public Liability Insurance is not a mandatory requirement, it is still an important component of the business insurance package. In a culture of not to blame make a claim, this type of policy will offer protection for your business from claims against third party injury and damage.

If your organisation or business employs staff, even part-time employees then the Employers Liability Insurance is a must. In fact it is a compulsory requirement. This will provide protection against employees suing you for personal injury and property damage claims.

If your business sells, manufactures or distributes products then the Products Liability Insurance policy is needed. This will provide protection should a person be injured in the event of using your product due to a fault within the product or a defect.

If you are also giving advice to your customers then the Professional Indemnity Insurance is required. If as a result of your advice a customer suffers financial loss you could potentially be sued. The PI insurance will provide cover for any errors, omissions or bad advice given.

Property Insurance is required to cover the actual building. This is extremely useful if you own the building and are running your business from within. Even if the building is rented out it should be insured under a commercial property owners insurance policy. This will provide cover for things like fire, storm damage, flood damage etc.

The contents and fixtures component of the business insurance policy provided cover for as the name states for the actual business fixtures and contents.

There are many additional components usually packaged within the business insurance policy. Some of these can include goods in transit, money, business interruption, personal assault cover and goods in trust.

Business insurance has evolved over the years and can now be easily purchased online. With many insurers and brokers offering business insurance quotes online it has become relatively easy to obtain cover. Some websites also offer comparison quotes with many business insurance companies from a single portal. As with any other type of insurance the level of cover and terms will vary considerably. So before committing to any purchase make sure you understand exactly what you are buying and what is covered but more importantly what is not covered and any specific endorsements or warranties that apply to the policy.

You are looking for cheap business insurance quotes? Compare business insurance quotes within minutes using our online comparison tool at http://activeinsurancecompany.co.uk/