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Specialist insurance for mobile and static catering vans.
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As as a mobile caterer, you will require a specialist mobile catering van insurance policy. This specialist catering trailer insurance will not only cover your business use when travelling to different catering locations, but will also provide cover for your catering vehicle and permanent fixtures and fittings, meaning your equipment is fully covered too. Our specialist catering policies include full fire cover, which is particularly important if you have any hot food or electrical appliances on board.
Being a mobile caterer, losing income and clients may pose a serious threat to the sustainability of your business. We offer a range of optional covers to either prevent or mitigate this risk. These optional covers for mobile catering van insurance include: legal expenses cover and the supply of a replacement catering vehicle - allowing you to continue trading in the event of damages caused by an non-fault incident. You can also protect your business by choosing one of our additional covers, including: business equipment; business interruption; loss of stock and money; frozen foods cover; and catering legal expenses.
Our mobile catering policy covers you for damages and potentially expensive legal costs resulting from injury, disease or accidental damage. We offer public, product and employers' liability insurance for up to £10 million each, allowing you to cater for the largest of events - such as music festivals - which comes with complimentary cover for loss of stock and money.
We understand your catering vehicles are treasured possessions, and often investments on which your income is entrusted. For all the alterations and additions you’ve made, we’ll assess your requirements and look to find you the most suitable cover. This means that, as your business grows, you make changes, buy new vehicles or take on staff, your policy will adapt to suit your needs as you go along. Discuss them with one of our experts who can help you understand the risks and how to stay protected.
Call us or email us with: your policy number; a phone number to reach you on; details of your claim and photos where possible and relevant.
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We cannot cover more than one catering vehicle on an individual insurance policies. We can, however, offer a fleet solution where applicable and subject to the insurers terms and conditions
Yes, we can offer you a separate policy to cover a catering trailer
We cannot provide cover for private vehicles under catering van insurance. However, we can transfer you to one of our Towergate facilities who do quote for car insurance.
Your food stock will be covered, up to a certain level, but alcohol will not be covered by your catering van insurance policy.
Your catering van insurance policy will cover business interruption to a certain extent. Speak to an adviser for details.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To find out more about PCL and direct debit payments, select Direct Debit.
To understand more about how PCL work together with Towergate, please read our Regulatory Information.
Towergate Insurance Brokers is a trading name of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Authorised and regulated by the Financial Conduct Authority