Catering Insurance

Protecting Your Catering Business with the Right Insurance

Running a catering business can come with a variety of risks, from equipment breakdowns and food contamination to injuries and third-party claims. Having the right catering business insurance in place can help mitigate these risks and support business continuity. As a broker, we can help source tailored cover that reflects the specific needs of your catering operations.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Catering Business Insurance?

Access to a wide range of specialist catering insurers
Tailored cover based on your food service activities
Flexible protection that can grow with your business
Dedicated customer service and claims assistance
Specialist knowledge for niche or higher-risk trades
Affordable monthly payments
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What Is Catering Business Insurance?

Catering insurance refers to a combination of covers designed to protect catering professionals and food service providers against industry-specific risks. Whether operating a mobile catering unit, managing a corporate events service, or running a small café, insurance can offer protection from incidents that may otherwise have a serious financial impact.

Who May Need Catering Insurance?

This type of cover could be suitable for a wide range of professionals and businesses within the food and hospitality industry:

  • Mobile caterers and food vans
  • Event and wedding caterers
  • Outside catering businesses
  • Street food vendors
  • Café, deli, or bistro operators
  • Contract and corporate caterers

Whether operating from a fixed premises or working at client venues, the right insurance can support both compliance and client confidence.

 

Why Do Caterers Need Business Insurance?

Insurance could support catering businesses in managing a range of risks and operational challenges. Without adequate cover, you may be held personally liable for incidents that lead to compensation claims or loss of income.

Key reasons caterers arrange insurance include:

  • To meet contractual and legal obligations
  • To protect income and business assets
  • To demonstrate professionalism and credibility
  • To access venues and event contracts that require proof of insurance
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What Can Catering Business Insurance Cover?

1. Public Liability Insurance

Could help cover compensation costs and legal fees if a third party is injured or their property damaged due to your business activities, for example, if a customer slips on a spillage or suffers an allergic reaction.

2. Employers’ Liability Insurance

Often legally required in the UK for most businesses that employ staff, even on a casual or temporary basis. Can help protect against claims arising from employee injuries or illness.

3. Product Liability Insurance

Can cover claims resulting from food or drink served that causes injury or illness. This could be vital for any catering business involved in food preparation.

4. Business Interruption Cover

May cover loss of income if your business is forced to temporarily close due to an insured event, such as a fire or flood.

5. Stock and Equipment Cover

Can provide protection for fridges, ovens, mixers, utensils, and stock stored on-site or in a mobile catering vehicle.

6. Commercial Vehicle Insurance

If your catering operations involve a van or mobile unit, commercial vehicle insurance can be arranged as part of your overall cover.

FAQs

  • Street food traders and food trucks
  • Indoor and outdoor event caterers
  • Corporate and office caterers
  • Pop-up kitchens and market stalls
  • Private chefs and home-based catering businesses
  • Bakeries, cafés, and dessert bars

Whether you’re catering for hundreds at a wedding or delivering lunches to local offices, tailored insurance can support your operations.

The cost of catering insurance may vary based on factors such as:

  • Type and size of catering operation
  • Number of employees
  • Types and levels of cover required
  • Value of stock and equipment
  • Previous claims history

As a broker, we work with leading insurers to help you compare multiple quotes and find cover that suits your requirements and budget.

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  • Professional Services – Consultants, IT contractors, engineers
  • Specialist Fields – Arborists, scaffolders, HVAC technicians, renewable energy contractors
  • Creative & Media – Photographers, content creators, digital consultants

By working with a broker, you could benefit from:

  • Access to a wide range of specialist catering insurers
  • Tailored cover based on your food service activities
  • Advice from professionals familiar with your sector
  • Flexible protection that can grow with your business

Our goal is to help find a policy that offers the right protection at a competitive rate, with minimal hassle.

 

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Get covered with expert catering insurance tips, food safety advice, and useful resources for mobile and event caterers.