Catering Service Insurance.

Depending on the unique nature of your catering or food business, you may need some or all of the following types of business insurance in your catering insurance package.

Public liability insurance cover protects you if a third party, such as a customer or visitor to your premises, has an injury or has their property damaged due to the operation of your business. Product liability offers you protection where a product that you supply or make causes injury or loss to another person and may be included in your public liability cover.

You may need to be protected in the event of a product recall which can have financial implications for your catering business.

If a customer has an allergic reaction to your food, if you spill red wine on a venue’s carpet, if someone slips on the bathroom floor, you will need to have public liability insurance.

Employers liability offer protection in the event that an employee is injured or has their property damaged in the course of their employment at your business.

Full and part time employees, temporary or casual workers, seasonal workers, and family members who work or help out with your business should all be covered by employers liability insurance.

Kitchens and food service can be hectic and the possibility of accidents is high, even where robust health and safety procedures are in place. Employee back injuries and slips, trips, and falls and burns can all mean injury for your employees as well as the possibility of legal issues and financial strain on your business.

Business contents insurance can cover many aspects of your business, from fixtures and fittings if you have your own premises, to kitchen equipment, to stock and business property.

Fire, storm damage, flooding, or theft can all lead to an unexpected financial loss for your business where your business equipment is damaged or lost. Business contents cover protects such items and you can usually include additional accidental damage cover. You may also wish to ensure that you are covered if you are catering off- site as well if that is part of your business.

Equipment and machinery insurance may protect your kitchen equipment and catering kit such as ovens, fryers, hot plates, mixers and bain maries if it is lost, stolen, or damaged. This type of cover can also include accidental damage.

Property and stock damage cover would protect food and beverage ingredients and materials, as well as items such as tableware, uniforms, and business equipment such as a laptop.

Frozen food cover will offer protection where food stored in cold storage or a freezer is unusable due to power cuts, breakdown, or due to an insured event.

If you own the premises you are operating from, whether or not it’s open to customers, you will need to ensure that you have adequate buildings cover in place.

Buildings insurance protects the structure of your premises such as the walls, roof, doors and windows, as well as any permanent fixtures such as sanitary ware, from unexpected events such as fire, storms, lightning, flooding, and break ins. 

Buildings cover is only required if you own your own premises and it’s based on the rebuilding cost of the buildings not its market value.

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Business interruption cover can be a lifesaver where an insured event such as a fire or a break in  means that you cannot operate your business for a time, or you have to cancel bookings and forego income where your premises or kitchen is damaged.

Business interruption cover can replace lost income, as well as cover the increased expenses of operating in alternative premises if necessary, to get back on your feet and keep your catering business afloat.

You are the passion and flair behind your catering business and your food and beverage offering. But what would happen if you had an accident and you were unable to work?

Personal accident insurance can provide protection for you as a business owner as well as for employees of your catering business if you choose to protect them.

Personal accident insurance offers key benefits such as a cash lump sum if you are injured either short term or permanently such as loss of a finger or limb or can offer a hospital cash benefit if you are required to stay in hospital for a spell.

Commercial vehicle insurance or van insurance will be required by law if you have a catering van or your business uses a vehicle or van for transporting goods or making deliveries etc.

Catering van insurance typically combines vehicle insurance for your van and a trailer, if you have one, on the road as well as elements of business insurance such as public, product, and employers liability.

Commercial vehicle insurance will offer cover for you as a driver, and you may also cover your employees’ driving should that be required by your business.

Catering insurance may not cost as much as you think. Like all forms of business insurance, your catering insurance premium is based on the nature of your individual business, its size, number of employees, relevant types of cover and any previous claims you may have had.

Safety measures such as building security, safety training for staff, fire safety measures and training, food regulation and legislation compliance measures, and high levels of cleanliness, tidiness, and maintenance all contribute to making catering insurance more affordable.

Whether you are dishing up chips and burgers from your catering van, Providing fine dining for weddings and corporate events, or providing that much needed caffeine hit from a coffee trailer, protect yourself and your catering business with catering insurance.

Compare insurance offers catering insurance from specialist insurers that understand the nature of your catering business and the pride that you take in providing high quality food and beverages to your customers.

Fill in our online assessment or call us and one of our specialist insurance advisors will contact you to discuss your business with you and find you the catering insurance cover that you need at the most affordable price.