Catering insurance
We make arranging your cover simple and hassle-free
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Public liability insurance for caterers is a crucial form of coverage that protects catering businesses from potential claims and financial losses arising from third-party property damage or bodily injuries caused during their operations. It provides financial protection and peace of mind by covering legal expenses, compensation costs, and other related expenses. With public liability insurance, caterers can focus on delivering exceptional food and service without worrying about unforeseen accidents or liabilities that may arise.
Employers' liability insurance
Employers liability insurance insurance is a vital type of coverage designed to protect catering businesses in the UK from claims made by employees who have suffered work-related injuries or illnesses. It is a legal requirement for catering businesses that employ staff, ensuring that they have the necessary protection in case of accidents or health issues that occur in the workplace. Catering employers’ liability insurance provides financial support by covering legal costs, compensation claims, and other related expenses, safeguarding both the business and its employees from potential financial hardships and legal liabilities.
Personal accident cover
Considering the possibility of an employee or customer injuring themselves while you work is crucial; but how would you cope financially if you were unable to work following an accident at work? A simple fall or slip at work could leave you out of action. Personal accident cover is designed to provide financial protection in the event of you having an accident or injury while at work.
Property covers
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.
Your food stock is often just as vital to your business as your equipment. A faulty fridge could damage your fresh produce, or a flood could destroy your stock. This means contents and stock cover can often be an essential part of your catering insurance policy.
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.
Business interruption insurance
If something unfortunate was to happen to your catering business, business interruption insurance could minimise the impact on the day to day running of your catering company and assist you financially – giving you peace of mind and a helping hand when things get tough. Business interruption insurance can be included to cover you for loss of profit while you deal with the consequences of an event which forces you to temporarily cease trading.
Commercial legal protection
Commercial legal protection is an essential insurance coverage that provides businesses, including catering companies, with financial support and expert guidance in legal matters. It offers protection against the costs associated with legal disputes, such as contract disputes, employment issues, tax investigations, and property-related conflicts. Commercial legal protection insurance helps businesses by covering legal fees, court costs, and other expenses incurred during the legal process. It provides peace of mind, enabling catering businesses to focus on their core operations while having the assurance that they are well-equipped to handle legal challenges that may arise.
Commercial vehicle cover
Commercial vehicle insurance for caterers is a tailored form of coverage that provides protection for vehicles used in catering operations. It covers the risks and potential liabilities associated with owning and operating commercial vehicles, such as catering vans or trucks, used for transportation of food, equipment, and supplies. Speak to one of our insurance experts if you’d like to insure your catering commercial vehicle.
Catering insurance FAQs
Do I need catering insurance?
It is generally recommended for catering businesses to have catering insurance to protect themselves from potential risks and liabilities. The catering industry involves various activities and interactions with customers, employees, and third parties, which can give rise to accidents, property damage, food-related incidents, or legal disputes. Catering insurance provides financial protection and peace of mind by covering these risks and potential liabilities.
What covers do caterers need?
At Premierline, we offer flexible catering insurance covers that can be as simple or comprehensive as you like depending on your catering business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:
- Public liability – for injured guests or damage to their property.
- Employers’ liability – to protect your employees.
- Buildings cover – to cover for loss or damage to your building.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Money cover – for theft or attempted theft.
- Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
- Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
How much does catering insurance cost?
The cost of insurance for a catering business will depend on several factors, including the size and scale of your business, as well as the locations you operate in, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.
It is difficult to estimate the overall price of insurance for a catering business without taking all of these these factors into consideration. Get in touch with our experienced team for a tailored quote.
Why choose Premierline to arrange catering insurance?
We understand the time constraints that come alongside running your own hospitality business, and finding time to source the right insurance can be difficult. That’s why our team is on hand to make arranging your business insurance simple and hassle-free. Our experts are able to provide an advised service over the phone and can help find the right insurance for you in a timely manner.
We can arrange catering insurance to cover a number of eventualities that could impact your business financially. We understand the risks associated with your trade and can help you arrange protection against many unforeseen events.
What type of caterers do Premierline work with?
Whatever your catering insurance or mobile 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, coffee shop or other fixed premises, you may also be interested in our other dedicated products.
Do you provide insurance for mobile catering vehicles?
If you are looking for mobile catering van insurance we may be able to help you find the cover you need. However, vehicles such as mobile catering vehicles such as catering vans, catering trailers, ice cream vans, coffee carts and mobile bars are often unique and are highly bespoke requiring specialist insurance solutions. Request a quote today and our experts will be in touch to discuss your requirements and provide recommendations.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Premierline are great and very professional. They give great customer service and always achieve the best price.”
Cafe
Customer since February 2020
Our independent customer reviews
Speak to a catering insurance expert
If you know the type of insurance you need you can protect your business instantly by getting an instant quote online. However, if you’re looking for guidance from an insurance professional then call and speak to our business insurance advisors now.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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