Professional fishmonger insurance

Professional fishmonger insurance



To exercise his profession in the proper way, the fishmonger must have perfect knowledge of the foodstuffs he offers to his customers. In addition to responding to requests in terms of preparation and processing of fish, he must also advise customers. In order to practice his activity in peace, the fishmonger must take out the right guarantees. Focus on the essential insurances of the fishmonger!
The fishmonger's profession

The role of the fishmonger is to stock up on fresh fish products. Once the products have been purchased, he is responsible for preparing the fish and shellfish while respecting food hygiene standards. As part of his profession, he may also be involved in the scaling, evisceration, slicing and filleting of fish. Some species like crustaceans must be kept alive. In order to reduce the duration of operations, the fishmonger commonly uses modern and high-performance tools.

If the fishmonger also offers a catering service, he must pay a lot of attention to the presentation of his work by varying the shapes and colors of the prepared dishes and terrines. In addition to selling the fish, the fishmonger must also greet customers and advise them. Finally, we note that the fishmonger can work in a local trade, in a market, in a fishmonger or in large distribution. In all cases, he must know how to anticipate the risks associated with his professional activity.
The risks to which the fishmonger is exposed

As the fishmonger, or the wholesaler, are responsible for preparing fresh seafood for the purpose of marketing them, compliance with hygiene and conservation rules are particularly important.

Even if you follow them scrupulously at all times, there can be a break in the cold chain, refrigerators can break down, destroying a large part of your stock and therefore of your income. In addition, many accidents of daily life can occur in your fish shop, your liability will be incurred de facto and you will have to compensate the victim for both material and immaterial damage.

On the other hand, it may happen that one of your customers becomes ill after consuming a product that you sell or a dish that you have prepared. In the event of proven food poisoning, you must also compensate the victim.

In order to exercise your activity as a fishmonger with peace of mind and to be able to face the costs relating to claims and damages responsible, you must take out the appropriate insurance.
Insurance useful for your fishmonger activity

    Liability Pro insurance to cover your liability in the event of damage caused to third parties in the course of your activity as a fishmonger.
    Multi-risk business insurance for solid and comprehensive protection. This guarantee covers movable and immovable property. This means that it covers your goods and your cash in case of damage.
    Professional legal protection insurance to benefit from support in the event of disputes with a customer or a supplier. This contract covers legal fees and provides you with an information service.
    Goods loss insurance to cover your goods in the event of failure of your refrigeration devices and in the event of a cold production malfunction.
    Business interruption insurance to cover your cash flow in the event of a business interruption or business discontinuation.
    The food poisoning guarantee to cover the risks of food poisoning. Remember, in passing, that fish, shellfish and crustaceans are sensitive foods that can contain parasites and bacteria.

Personal insurance to take out as a fishmonger

If you work as a fishmonger, you should also think about your protection and that of your employees. By subscribing to suitable complementary health insurance, you will benefit from good coverage in the event of accident or illness. Finally, with a provident contract adapted to your profile, you will be able to benefit from cover in the event of death, disability, incapacity or dependency.
Insurance for other craft trades

    Baker insurance
    Catering insurance
    Butcher's insurance