Running a catering business or working at one-off events means taking on risks. Whether preparing food at a private party, wedding, market stall, or pop-up kitchen, things can go wrong. Accidents, injuries, or property damage can happen at any time.
We help explain when catering insurance might be needed, what it could cover, and why even a single event can benefit from having the right protection in place.
Why Arrange Caterers Insurance for One-Off Events?
Many venues, event organisers, and local councils ask for proof of public liability insurance before allowing a caterer to trade. This helps protect everyone involved if an accident or injury happens.
For example:
- A guest trips over a cable or slips on a spill.
- Someone becomes ill from food served.
- A piece of equipment causes damage to the venue.
Without insurance, these problems could lead to legal actions and big costs.
Which Types of Catering Insurance Are Useful?
The right type of cover depends on the size of the job and the risks involved. For one-off catering work, these policies may be worth considering:
Public Liability Insurance
This is the most commonly required insurance for caterers. It helps cover claims from members of the public for injury or property damage linked to your business. For pop-up gigs or markets, many councils and organisers may request this as standard.
Product Liability Insurance
If food causes harm, product liability can cover the cost of related insurance claims. For example, if a customer becomes ill after eating your food.
Employers’ Liability Insurance
If you employ staff, even temporarily, this may be a legal requirement. It protects against claims from employees who are hurt or fall ill due to work.
Equipment Cover
For caterers using cooking tools, fridges, or portable equipment, insurance can cover loss or damage to essential items. This helps protect your business if items are stolen or broken.
Does a Pop-Up or One-Off Event Still Count as a Business?
Yes, even if catering is not a full-time job, the risks are the same. One-off work is still considered a professional service, and insurance offers peace of mind that both you and your clients are protected.
Many event spaces, markets, or wedding venues will not allow catering without seeing an insurance certificate showing suitable level of cover.
How Much Cover Might You Need?
The amount of cover depends on:
- Event size and number of guests
- Type of food and equipment used
- Any client or venue requirements
For example, a large event may need higher limits on public liability insurance than a small private party. We recommend checking with the organiser before arranging cover.
Why Work with a Broker?
We help caterers and food businesses arrange the correct catering insurance for regular work or one-off projects. By tailoring the type of cover and amount of cover to match your needs, we help ensure everything is in place to avoid unexpected problems.
Whether you are catering solo or managing a small team, we can help find suitable protection.