If you run a mobile food business, it’s essential that you have adequate insurance. The risks that are present in a traditional culinary are magnified when food preparation is shrunk down to a mobile catering environment.
The potential risks can be divided into three distinct areas:
- Customers – eg. causing illness
- Material – an accident which damages your property.
- Employee – injuries while working for you
Why do I need cover?
Insurance is a necessity for all businesses, some see it as a necessary evil but it could be the difference between the success and failure of your business should anything go wrong.
What insurance do I need?
We package our insurance to fit the way mobile caterers work.
- Catering liability insurance: A liability policy for all outside caterers who don’t need cover for a vehicle.
- Catering trailer insurance: Provides the liability cover you need plus cover for your trailer, including all of the fixtures and fittings.
- Mobile catering van insurance: Liability cover plus specialist cover for your vehicle if you run a hot food van, ice-cream van, mobile drink service or similar business.
Additional covers you may want to consider:
Our covers are designed to protect the basics but there are other covers available for ultimate protection.
- Business interruption – protects you against loss of income if you are unable to trade
- Loss of business due to breakdown – this cover would help recompense you if you break down on the way to an event
- Stock cover – we offer stock cover up to £10,000
- Deterioration of stock – allows you to replace your stock if you suffer a refrigeration breakdown
- Event cancellation – we protect your business in the case of event cancellation up to £5,000 as standard
- Loss of license – for traders who’s business involves alcohol where a license is key to their business
- Electronic equipment – cover for mobile phones, laptops and electronic equipment
- Contents cover
We understand the mobile catering industry and have built insurance products tailored specifically for you.
Here at Moving Food, we have made it our job to ensure you have the insurance you need for your business, and we want to make the process easy to understand, cutting through all the technical jargon associated with insurance. If you still have further questions or just simply would like some advice, do not hesitate to get in touch with us here. You can also follow us on Instagram.