Jul 2011 - Issue 5 - National Federation of Fish Friers

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Dirty Ducting driving you around the bend?... call the specialists Call Ducting Doctors BECAUSE OF THE SERIOUS RISK OF FIRE IN TAKEAWAYS More and more Insurance Companies are insisting that: PROFESSIONALLY CLEANED! Ducting before cleaning and after a thorough Ducting Doctor clean! Approved by: Call01642 759254
The importance of maintaining your ducting “I know, I know.............you’ve heard it all before, another insurance bloke bleating on about the small print in an insurance policy that no-one reads. I admit I am an “insurance bloke” and I admit that I am going to “bleat on about the small print”, but it might just be worth reading on. I’ve been in the industry since April 1971. I handled claims of all types until 2000. I would not presume to say I’ve seen it all.............but it must be a close run thing! One benefit of this career is that I do not need to make up stories. If I tell you about an incident it will have actually happened and I will have been involved in the matter. Let me dispel a common misconception: Insurance companies are not charities. In all but a few cases they are owned by shareholders who require a return on their investment. To provide this return the insurance companies must make a profit. In the circumstances an insurance company has every right to protect its position. If this means taking a firm stance on risk management then they will do so. To save space and paper the print they use might be considered on the small side...............but the headings for the “Endorsement” and “Warranty” sections are usually large and usually in heavy black type. The insurer wants its customers to be absolutely clear as to what is expected from them. Having cleared up that little matter let us look at what this article is about. “Insurance companies know from bitter experience that many fires in fish and chip shops start in ducting.” It is easier for a fire to start in ducting that has a build-up of grease because of a lack of regular cleaning than in ducting that is regularly cleaned. Consequently insurers generally place a warranty on the policy to the effect that the ducting must be cleaned regularly. Some require an annual clean, some 6 monthly. Do you know what your insurance policy says about this? Have you complied? It might be worth spending a few minutes checking the wording. Consider this question: - how many people, including you, rely on your business for their livelihoods? It is said that about 80% of businesses [not just in the fish and chip trade] which suffer a serious fire never restart. Is it worth losing your livelihood for the sake of a few minutes spent every week checking your ducting and paying to have it cleaned professionally at the intervals specified by your insurer? The National Federation of Fish Friers [of which Ellis Bates is proud to be an associate member] has recently received a press release regarding the non-payment of a claim following a fire. The reason given was poorly maintained ducting. Issue 5 July 2011 When a press release arrived in our inbox recalling the horror story of another takeaway restaurant going up in flames due to poorly maintained ducting and the Insurance company involved refusing to pay out, we thought it best to let the experts offer an explanation of how vitally important it is to fully understand this crucial requirement. Mike Shaw from Ellis Bates Insurance explains... I mention this because I need to get the message across that when the insurance industry “bleats on about the small print” it is not hypothetical... these fires can and do happen and for every serious fire someone’s income is affected, and may be stopped entirely. Insurance companies know from bitter experience that many fires in fish and chip shops start in ducting. So I’ve “bleated on”. If my “bleatings” prevent just one of the readers of this magazine losing everything they have worked so hard for then it will have been worth it.” Mike Shaw is the Managing Director of Ellis Bates Insurance Brokers Ltd., Adam House, Ripon Way, Harrogate HG1 2AU. 01423 522533 Ellis Bates Insurance Brokers Ltd is regulated and authorised by the Financial Services Authority. ““ 21
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Jul 2011 - Issue 5 - National Federation of Fish Friers

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