- Appetite
- Specialist MGA route with property, BI and liabilities available; worth approaching for a frying-led takeaway risk.
- Check
- Check fish and chip shop acceptance, fryer servicing conditions and extraction-cleaning warranties.
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Reading the risk
For: Fish and chip shop with deep fat frying
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Fish and chip shop needing property, BI, EL and PL cover, with products liability checked. Deep fat frying is the key fire exposure: underwriters will focus on fryer safeguards, extraction and duct-cleaning records, construction and any accommodation above.
Where to start
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We found 108 UK markets that write fish and chip shop with deep fat frying risks: 22 insurers, 86 MGAs and 0 Lloyd's markets. Commonly listed: Pen Underwriting, Touchstone Underwriting.
Frying ranges drive this risk. Underwriters ask about thermostatic cut-outs, fire suppression over the range, how often ducts and extraction are cleaned, and whether there are flats above.
chippy, fish bar, chip shop, fried food takeaway
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