As with all types of commercial and business insurance, when looking around for a fish and chip shop insurance quote, you have to consider two things in the main.
Of course, you are looking for the best price. But, this should not be your prime concern, it needs to be a twin concern with getting the right cover.
Comparing business insurance policies from the different providers would take a great deal of time to put into one document. As a flavour of the differences though, you need to consider the following when you receive a quote:-
1) Is accidental damage included? This is an important cover, standard perils do not cover if you drop something which is damaged or if you spill liquid into a machine. This is AD cover.
2) Glass cover, is this included? If you rent a shop you are more than likely responsible for the glass (shop front) through the terms of your lease.
3) Commercial legal expenses, is cover provided? Litigation nowadays, for members of the public, clients and staff is easy. An employment tribunal claim can cost your business many thousands of pounds, and that is just if you win? Check you have adequate cover.