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What is catering public liability insurance and why do I need it?
From mobile caterers for events like weddings, everyday snack food venders and burger vans to canteens and venders in hotels and other establishments. You can all be classed as caterers and if the policy doesn't fit, we’re likely to be able to find one better suited to you. The best way to establish your needs properly is to talk through your catering business insurance with our team.
We understand that seasonality may mean you do not have your full capacity of employees working for you all year round. As such, we have ensured our cover is as adaptable as your business and can cover varying numbers of employees throughout the year. When it comes to employees, we won't be able to insure any malicious damage they cause so we advise sticking to a good vetting process.
The equipment that keeps your business ticking can be insured en route to an event, whilst in storage and whilst in use. In addition we can cover hired equipment so if an accident does happen, we can get things fixed so you’re not out of pocket. Just remember, we are not able to cover perishable goods.
As time goes on and you start to think about expanding, you don’t need to think about new insurance. When your circumstances change, we will adapt your policy to suit, whether you’re growing bigger, downsizing or just changing venues. Depending on the changes you make to your policy there is likely to be change in your premium and an adjustment fee (usually £10).
As we use a panel of insurers, the claims team you will need to contact will vary from customer to customer. Your policy documents will have the claims telephone number you will need to register your claim.
We like to make things as straight forward as possible so there’s no added stress in an already stressful situation. So for added support, we have our own in house claims assistants who will help you with issues you come across during the process. They can help you to liaise with your insurer or just guide you to the correct people to call.
If you need support from our team you can call them on:
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Yes. If you need to add a new employee for a specific event (e.g. A sushi chef for a particular wedding) we can add this to your policy so you’re still covered.
We try to cover as many different circumstances as possible for our customers so this is not usually a problem for us to cover.
Product liability cover insures your legal responsibility for the products you make available to the public. If you serve food this could be related to a case of food poisoning. If you sell specific products it could be to do with injury caused by the malfunction of one of those products. It depends on your type of business but our team can help advise on whether it’s something you need or not.
Public liability insures you against claims made by the public if they are injured, or their property is damaged as a direct result of an accident relating to your business. Often you will find that councils and local authorities will insist on £million as a minimum but this is not always suitable. In the event of larger claims you could find yourself severely out of pocket. The level of public liability insurance for catering you need is difficult for us to establish and we advise thinking this through in relation to your own business and scenarios. A good starting point is to speak with local authorities and establish a minimum.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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