FAQ Category: Food vendor insurance

No, the policy covers your catering business regardless of the type of food you serve. However, it’s your responsibility to comply with all legal obligations around dietary claims, including proper labelling and food safety practices.

The policy does not cover loss of income or financial losses due to disruption from severe weather. However, accidental damage to your equipment or trailer (if insured) caused by weather may be covered.

Yes, electronic point-of-sale (POS) systems are covered under Catering Equipment insurance if not permanently installed and if used in the course of your insured business.

Yes, portable power generators you own or are legally responsible for can be insured under the Catering Equipment section of your policy.

If your vendor unit is a trailer and you’ve selected Catering Trailer Cover, theft or vandalism is covered—provided all security requirements are met. Self-propelled vans require separate vehicle insurance for theft and vandalism claims.

Yes, under Frozen Goods Cover, your policy protects against loss or damage caused by refrigeration equipment failure or public electricity supply issues. Stock cover (up to £3,000) also applies to accidental damage, theft, or loss of non-frozen items, subject to a £500 single item limit.

Yes, you are covered for the selected benefits in your policy while operating at festivals and events. Ensure all equipment and trailers meet security and storage requirements during the event, especially if unattended overnight.

Yes, portable cooking equipment such as grills or smokers is covered under Catering Equipment insurance, up to £10,000, for accidental damage, loss, or theft, subject to a single item limit.

Yes, catering trailers are covered under optional Catering Trailer Cover, with up to £20,000 available online, anything higher you will need to speak to our sales team. Trailers must meet specific security requirements, including an approved alarm, tracker, key-operated hitch lock, and wheel clamp when unattended. Self-propelled vehicles are not covered under this policy and require separate motor insurance.

You are not required to show a hygiene certificate when purchasing the policy. However, all staff must hold a minimum Level 1 food hygiene certificate, and you may be asked to provide this documentation in the event of a claim.