FAQ Category: Caterers Insurance

If you operate a catering business from home, your home insurance likely won’t cover business activities, so you’ll need separate catering insurance to ensure you’re adequately covered.

No, our standard insurance for catering businesses will cover you.

Allergic reactions would typically fall under your product liability coverage. However, you must take all reasonable precautions to prevent such incidents, including proper food labelling and cross-contamination prevention. Failure to do so could invalidate your coverage.

Yes as long as these temporary staff members are labour only subcontractors or employees. If they are bona fide subcontractors, then there is no cover for these individuals, you will need to ensure they have their own insurance.

There is no insurance on our product for loss of cost and expenses or expected revenue for cancelling a catering job.

Yes, our insurance for caters covers against damage as part of the public liability insurance included in the policy.

Yes, as long as you are not just serving alcohol. This would need to be alongside a primary function of serving food.

Yes, food poisoning claims are typically covered under product liability insurance. This protects you if a client becomes ill from food you’ve prepared or served. However, you must maintain proper food safety standards to ensure your coverage remains valid.

Yes, we offer comprehensive liability insurance for mobile caterers. However equipment and vehicles are not covered in this policy.

No, there is no cover for equipment in this policy. This is cover for liability insurance only, with optional commercial legal protection.