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Unveiling the Crucial Importance of Public Liability Insurance for Catering

By Mark McPherson on June 12th, 2023

Providing catering services can be a dream job for many, but it’s crucial to understand the risks involved before taking that jump. Not only are you in charge of ensuring your customers’ satisfaction, but also of making sure every part of your business is adequately covered to protect yourself and anyone who may come into contact with it.

This is where public liability insurance comes in, as it offers invaluable financial protection against any claims that result from workplace injury or damage at an event you catered. We explain why catering insurance is crucially important  for your business and how it can help protect you and your customers.

Why is public liability insurance for catering important?

As a catering business, it’s essential to be prepared for anything that might go wrong – from a small accident at a client’s event to a major damage claim. That’s where public liability insurance comes in. This type of catering insurance covers any legal defence costs that might arise if someone is injured or their property is damaged because of your business operations.

For example, if a guest slipped and fell on a spilled drink at an event you’re catering, they could hold your business responsible for their injuries. With public liability insurance, you can feel confident that you’re protected from unexpected financial burdens that might arise from accidents or legal claims.

What types of damages are covered under public liability insurance

The types of damage that are covered by business insurance can include things like:

  • Loss of or damage to property
  • Injury to third parties, such as guests at an event you’re catering for
  • Accidents that occur during the preparation and delivery of food and drink at events
  • Professional negligence 

It’s important to remember that the specific coverage you receive will depend on the policy you choose.

What type of coverage should you get for your catering business?

When it comes to catering liability insurance, the amount of coverage you should get depends on your business’s size and operations. Along with public liability insurance, there are a few other essential coverages to consider for any catering business:

Product Liability Insurance

This form of cover offers financial protection in case a product you’ve supplied has caused harm to someone at an event. For example, if a customer suffers food poisoning after eating something  you’ve cooked, they might make a claim against your business.

Employers’ Liability Insurance

This type of catering insurance is legally mandatory if you have any employees working for you. It covers the costs of any third-party claims resulting from workplace injuries or illnesses that are caused by an employee’s activity or negligence.

Professional Indemnity Insurance

This type of coverage provides protection against third-party claims made by clients for any negligence or errors you may have committed while providing your catering services. It can also help cover the cost of legal fees.

Essential tips to consider when selecting the right public liability insurance

Selecting the right liability insurance can be a daunting task for many people. It is important to consider a few essential tips before making a decision to ensure that you are adequately covered and protected:

  • Understand your coverage needs: Make sure you have a clear understanding of the type of activities and services that your catering business offers, so you can select the most suitable coverages to protect them
  • Compare policies: Different insurers offer varying levels of coverage and premiums. It’s important to compare different policies before selecting one, to ensure you’re getting the most suitable coverage for your business.
  • Read the small print: Make sure to read all the details and exclusions in any policy before signing up, so that you understand what is covered and what isn’t.

By following these tips, you can find the right public liability insurance to keep your catering business safe and secure.  With the right coverage in place, you can feel confident that your business is protected should any accidents or legal claims occur.

Conclusion

Catering businesses must ensure they have the correct public liability insurance to protect their business from potential third-party injury or damage that may result from their operations. It’s important to understand your coverage needs and compare insurance policies to ensure you select the most suitable coverages for your business.

By taking the time to do this, you can rest assured knowing that your business is adequately covered and protected should any accidents or legal claims occur.

Get insurance for caterers today

Here at Brisco, we offer a range of comprehensive catering insurance policies to suit your specific business needs. So whether you’re looking for employer’s liability, product liability, or professional indemnity cover, we have you covered.

Get a quote today and protect your business with the right public liability insurance for your catering business. For any questions  or queries, please do not hesitate to contact us. We are here to help.

Mark McPherson

Mark McPherson has an MA in Creative Writing and has been crafting content for over a decade. He writes for a range of niches, including the construction industry and insurance sector.

All articles by Mark McPherson

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