Catering liability insurance
Catering Liability Insurance is an Employers’ Liability and Public/Products Liability product for any caterers who don’t need to protect a catering trailer or van.
It provides protection should an employee or a member of the public bring a claim against you for injury or property damage as a result of you business activities.
Typical trades would include baked potato ovens, buffet caterers, general caterers, contract caterers, coffee rounds, farmers’ markets, hog roasts & barbecues or market stall caterers.
Employers’ Liability is a legal requirement if you employ anyone but Public and Product Liability is vital. Read our guide to catering insurance to find out the differences between cover types.
Which cover do I need?
Not sure whether Catering Liability Insurance or Street Food Liability Insurance is right for you? just answer the questions in Get a Quote and we’ll work it all out for you.
Cover Details
- Public and Products Liability £10 million
- Employers’ Liability £10 million
Additional Cover
These optional extras should be considered when purchasing your cover. Read our guide to catering insurance to find out more details about all the covers we provide.
- Business Interruption – protects you against loss of income if you are unable to trade
- Stock cover – Cover for the products you sell if they get damaged in any way or cannot be sold
- Deterioration of stock – allows you to replace your stock if you suffer a refrigeration breakdown
- Cover for your portable catering equipment is available as well as cover for theft from an unattended vehicle or trailer
- Loss of money – Money cover protects your takings during trading and non trading hours.
Payment: We accept Credit Card, Debit Card, Cheque and Bank Transfer
Refunds and Cancellations: Details are in our Terms of Business
Not sure this is right for you? Please give us a call for advice or browse our other covers…
Catering Trailer Insurance | Street Food Liability | Mobile Catering Van Insurance | Event Insurance
Frequently asked questions
Catering Liability Insurance from Moving Food is a standalone liability policy for mobile caterers and outside caterers who do not need to insure a catering trailer or vehicle. It provides employers’ liability and public and products liability cover, with optional add-ons for equipment, stock, and business interruption.
This product is ideal for caterers who operate without a permanent vehicle or trailer — for example, baked potato oven operators, hog roast and barbecue caterers, buffet caterers, general outside caterers, contract caterers, coffee round operators, farmers’ market traders, and market stall holders.
The standard policy includes public and products liability up to £10 million and employers’ liability up to £10 million.
They are very similar products aimed at similar traders. Our online quote process will ask the right questions and recommend the appropriate cover for your business.
Optional extensions include: business interruption cover (loss of income if you are unable to trade), stock cover (for goods that are damaged or unsellable), deterioration of stock (covering loss if a refrigeration breakdown ruins your stock), portable catering equipment cover, theft from an unattended vehicle or trailer, and loss of money cover (protecting your takings during and outside trading hours).
Yes, any time you are trading with the public you are exposed to liability risks. Even a single event can give rise to a costly claim. Moving Food can discuss options to suit part-time or seasonal traders.
Employers’ liability up to £10 million is included as part of the policy. If you do not employ anyone, it can be removed, but remember it becomes a legal requirement the moment you take on staff of any kind.