The first tip we always say to potential customers when looking for a cheap fish and chip shop insurance quote is to speak to a professional.
In every town and city the length and breadth of the land, there are business insurance brokers screaming out for your business. You may have been with the same broker for years and accept the 5/6/7% increase they apply, year in year out, now though is the time for change.
Your insurance is high because there are businesses that are run with less professionalism, they are the ones that have the fires and the liability claims, if you have a good claims experience, use it to your advantage.
Other pointers are to let your broker know if you have shutters on your windows, do you live in, how often is your frying range serviced, do you have a formal health and safety policy etc. All of these things make a big difference in insurers understanding what is good about your business and giving you a better price.
The tip we do not recommend, is going to a website that “promises” to compare business insurance. Quite simply, don’t bother. There is not one of these sites in the UK that actually compares ALL insurers. They charge so much commission to insurers that only certain insurers can afford to deal with them.