Your catering business may take you to a variety of locations and you need to ensure that your business is protected against the everyday risks that you are exposed to. That’s where we can help; we can arrange an insurance policy that protects your livelihood against financial losses or claims being made against you.
Caterers insurance is typically designed to cover a range of risks specific to your business needs. Wherever your trading activities take you, caterers insurance is crucial for business continuity to protect you against unforeseen events.
Liability insurance is a must for any caterer, and this should be the starting point when arranging your catering insurance. Public liability insurance can protect you should your customers suffer an accidental injury, so if they suffer food poisoning it will typically be covered under your public liability insurance.
Employers' liability insurance will also need to be built into your catering insurance if you have any full or part time staff or multiple directors as part of a limited company. This can safeguard you in the event that an employee sustains an injury in the course of their employment, and covers any legal costs and damages awarded as a result.
Whatever the nature of your business, your equipment is crucial for your business. Catering insurance can also cover your equipment, whether you are premises based or mobile. Without your cookers, fridges and fryers, you could struggle to trade which could also have a financial impact on your business.
If you’re looking to cover a premises used in relation to your business, this can be included in your policy to protect your buildings, contents, and stock. Business interruption cover also can be incorporated into your policy to cover any loss of income if you are unable to trade following damage to your premises.
Whatever your catering insurance needs we can arrange the right cover for your business, at the right price. We understand the risks you face on a daily basis, and as careful as you may be, accidents do happen. Speak to our business insurance advisors today to get peace of mind and the right insurance for your business.
If you are a caterer operating from a café, you may also be interested in our dedicated café insurance cover.