Caterers Insurance

This section covers caterers insurance – discussing the type of cover you should consider to protect your business:

Why do caterers need insurance?
What type of insurance do caterers need and what level of cover?
Why compare caterers insurance with Coverzones?

Why do caterers need insurance?

Insurance for caterers is essential if you are to properly protect your business from possible risks. Whether you are a mobile caterer, a professional events caterer or a sub contract food preparation business, the risks are there. Poorly prepared food can make people seriously ill and in extreme cases cause death. You use sharp knives, work with hot ovens and may find yourself working in other people’s homes or premises. You are legally obliged to cover any employees against accident or injury and most clients will insist that you have some level of caterers insurance before they will engage you to work with them.

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What type of insurance do caterers need and what level of cover?

Caterers insurance will normally include a number of different types of cover:

• Public Liability Insurance for caterers: You need to be covered against a claim from members of the public (or customers) for death, bodily injury or damage to property caused by you or your staff. This could be food poisoning, an accident caused by an unsteady table or just a stray chair left in the wrong place. The level of cover depends on the type of catering and events you are involved with, but the minimum level would normally be around £1m – £5m of cover.

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• Employers Liability Insurance for caterers: If you have employees or casual staff working at an event, even if it’s food prep behind the scenes, you must have at least £5m cover by law. This will pay for any compensation claims for death or injury caused to anyone working for you.

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• Professional Indemnity Insurance: This will cover you for any claims made by clients due to errors that you or your staff have made. Poor service at a corporate event or wedding for example. The level of Professional Indemnity Insurance you need will depend on the size and type of contracts you undertake.

Professional Indemnity Insurance will be offered soon here at Coverzones for Caterers.

• Tradesman Insurance for Caterers: If you prefer to have a single caterers insurance policy covering all of the above and offering extended cover for your equipment, equipment hire and other things that are important to your business, you can take a look at Tradesman Insurance for caterers.

Get quotes for Tradesman Insurance for caterers now.

Why compare caterers insurance with Coverzones?

Coverzones allows you to look at insurance from lots of different providers in one place. You only have to pop in your business details once. We then search with lots of providers and present you with a choice of policies and premiums. It all happens online in minutes, and it could save you a lot of time and money.

With Coverzones you can also store all your insurance details free right here and you can amend, renew or cancel, 24/7/365.

Compare caterer insurance quotes now.