Catering Insurance

Specialist cover for Caterers and Food vendors from £4.48 per month.*

  • Public Liability up to £5m
  • Join over 150,000 customers**
  • Flexible Payment Plans – 0% APR

From £4.48* a month

Save 10% Onlineˆ

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

What does caterers insurance cover?

Our specialist insurance for caterers will include the necessary liability coverage you need to protect you against claims you might receive and make sure you are operating safely and avoiding financial losses. Public liability for caterers is included and you can add extras such as employers’ liability, depending on the requirements and size of your business.

We recognise flexibility is important as a caterer, whether you operate from a fixed location, are a mobile caterer or are in charge of catering staff our policy can allow you to select the cover level most suitable for you.

Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Product Liability

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Free SafeCheck

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Employers' Liability

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Commercial Legal Protection

Why do you need catering cover?

As a caterer, your clients rely on you to provide exceptional food and service for their special events. They trust in your expertise and attention to detail; however, sometimes things can go wrong. Caterers Insurance protects professional caterers like you against claims that could arise from the various risks and incidents that might occur during your catering service.

You can be assured you are operating responsibly, fulfilling liability obligations to stakeholders, and secure that you are protected from costly financial losses. Look at some typical scenarios that might result in claims:

Protection from claims should a member of the public get injured.

Protection against claims arising from accidental injury to a customer or third party, or damage to their belongings. This could be a customer tripping over your catering equipment, or it could be damage caused to a personal affect, such as staining a household surface. Either way, in the event of incidents like these, you are vulnerable to a substantial compensation claim, as well as other associated costs.

Protection if someone becomes ill from food you produce.

A customer may become unwell or burn themselves from food you’ve prepared, which could result in a claim against you.

Having product liability protects against eventualities including contamination, spoilage and other food defects can help avoid costly compensation claims if they arise.

An employee or temporary worker suffers a workplace accident.

Employees may be at risk of accidents or injuries during their work and hold you responsible. If you have employees or hire temporary workers for your catering services, employers’ liability covers you against claims from these incidents, it is a legal obligation with fines of £2500 per day for failing to comply.

A venue requires proof of liability cover.

If you are contracted to provide catering services for an event it is often obligatory to provide proof of public liability insurance to a venue or event organiser as part of their risk assessment.

Our experts explain why...

“You could be a caterer working in a commercial kitchen, on a contracted basis, working freelance or perhaps you work for yourself at your home address, remotely at events or from a van or trailer fabricated for catering purposes. Whatever your method of providing this service, you need protection against allegations of injury and damage resulting from you preparing and providing your catering services to members of the public, your customers. Our product ensures you can operate without the concern of whether you could experience considerable financial loss as a result of your actions.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does caterers insurance cost?

The cost of caterers’ insurance can vary depending on several factors. For example, if you employ staff then your policy will need additional cover in Employers’ Liability, at a higher cost.

Investing in specialist caterers’ insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional, professional credibility that you take your business operations seriously.

At Protectivity policies start at just £4.48* a month.

Prices from

£4.48* a month

Explainer quote

Policy cost

£4.48* a month

Policy type

Catering

Duration

Annual

Turnover

£50,000

Public Liability

£1,000,000

Professional Indemnity

£10,000 (per claim)

Financial Loss

£5000

Business Health Check

Free

This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

What types of businesses need catering insurance?

There are several different types of business that might need catering insurance. Here is a selection of organisations we cover, however if you don’t see your activity listed, speak to our team to find out what we can offer.

Mobile food trucks and trailers

Whether you’re serving up gourmet burgers on a street corner or at a local festival, if you run a food truck, having adequate catering insurance is essential.

Since food trucks are always on the move, you’ll want to make sure your insurance covers you no matter where you park.

In-House catering

If you provide in-house catering services, from corporate events to weddings, having the right insurance can help keep things running smoothly.

Personal chefs and home-based caterers

If you’re a personal chef or running a catering business from your own kitchen, having the right insurance is a must.

Make sure your home insurance provider knows about your business, or you could be left without proper cover.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your catering insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.

¹Based on live Feefo data

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