Catering Public
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Insurance for Catering Businesses
Catering means working around hot oil, sharp knives, food allergies and busy serving areas. Catering Insurance helps protect your business if something goes wrong, from a guest slipping on a spill to food poisoning claims or stolen equipment, so you can keep serving without one incident wiping out your profits.
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What is Catering Insurance?
Catering Insurance is a package of covers for mobile caterers, event caterers and fixed-site food businesses. Public liability is usually at the core, with options such as stock cover, equipment breakdown, business interruption and employers liability. The aim is to help with claims, spoiled stock and other losses after an insured event.
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Catering Insurance?
Business Compare works with UK insurers who understand catering, from street food vans to wedding and corporate caterers. Share your details once, compare quotes in one place, then adjust limits and extras so your cover matches the way you prep, store and serve food.
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for Catering Businesses
01
Business Interruption Insurance
Helps cover lost income if you cannot trade for a period after an insured event, for example a fire, flood or serious equipment failure.
02
Goods in Transit Insurance
Helps protect stock, ingredients and portable kit while they are being moved between your base, suppliers and event venues.
03
Personal Accident Insurance
Can pay a benefit if you or a key worker are injured and cannot work for a time, helping with bills while the business recovers.
04
Legal Expenses Insurance
Can help with certain legal costs, for example disputes with clients, venues or employees, up to the policy limits.
Type of catering
Hot food, deep-frying, bar work and late-night events are usually seen as higher risk than cold buffets or simple coffee and cake.
Venues and set-up
Working in busy venues, public spaces or large functions can be rated differently to small private events or work from fixed premises.
Staff and turnover
The number of people you employ, your annual turnover and any past claims all feed into how much you pay for cover.
Equipment and storage
The value of your cookers, fridges and mobile kit, and how securely they are stored, can move premiums up or down.
Catering work brings together hot oil, open flames, sharp tools, heavy kit and large groups of people, so small mistakes can quickly become costly. A guest could trip on a spill, suffer food poisoning, or be burned by hot equipment, and fridges or ovens can fail at the worst time. Public liability can help with compensation claims, stock cover can help if food is spoiled, and equipment or business interruption cover can help you get trading again after an insured event.
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Protect your catering business today by filling in our quick and easy online form. We’ll provide you with competitive quotes from top UK insurers, allowing you to choose the best cover for your business.
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