Catering Insurance
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Get A QuoteCatering Insurance
There are many risks associated with running a catering business. From injury to your staff or members of the public to food poisoning caused by the food you serve, accident are common and if you run a small business, having to foot the bill in the event of incident, could cost thousands. Having the right insurance is essential to protect your business and your livelihood.
At Brisco Business we specialise in finding bespoke insurance policies for people and businesses in many different industries. You can use our quote tool to search the insurance market for comprehensive insurance policies to protect you against all the risks you may face.
Compare quotes for catering insurance along with many other types of tradesman insurance with Brisco Business now and find a policy with covers to meet your needs.
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Why do I need Catering insurance?
As a caterer your business presents risks to the public and to your staff. A member of the public could suffer food poisoning from the food you serve or slip on a drink you’ve spilt at a catering venue. The same applies to your staff, serving hot food and hot drinks can lead to injury for which you are deemed liable. In these cases, a good insurance policy will fund any compensation claims made against you. Without insurance, you will be left to foot the bill which could leave you in financial ruin.
How much catering cover do I need?
Depending upon the type of venues you work at, you should choose a public liability limit which is adequate for you. Covers range from £1,000,000 to £10,000,000 and you can select the limit you need when completing your quotation. If you use tools and equipment for your work, you an also add cover for this on to your quotation. Again, you will be able to select the amount of cover you need.
What if I employ people?
As with other businesses you will be required by law to take out employers liability insurance to cover any injuries your employees suffer while working for you.
I have a business premises, will this be covered?
No. Caterers insurance is designed specifically for you and the work you do. If you have a business premises, you may need a separate insurance policy to make sure you are covered for any damage such as fire, flood, theft or accidents.
How much will catering insurance cost?
The price of your catering insurance policy will depend on many factors. These include what sort of catering you provide, the amount of covers you need and how much catering you’re doing. It may also be impacted by how many employees you hire, the venues you work at and your claim’s history.
