Coffee Van Insurance
Specialist cover for coffee van sellers and mobile food vendors from £5.82 per month.*
- Public Liability up to £10 million
- Equipment & Stock cover included as standard
- Annual & One-Off cover options
- Join over 180,000 customers**
From £5.82* a month
What does coffee van insurance cover?
Our insurance for coffee van vendors offers specialist protection for street food sellers, freelance vendors, and mobile food businesses serving hot or cold food, including those operating from catering trailers or market stalls.
With our policy, you’ll benefit from public liability and product liability cover of up to £5 million as standard. It also includes essential protection for your equipment and stock. Optional extras are available, such as employers’ liability if you hire staff, frozen goods cover, loss of money, and catering trailer cover. You can customise your level of cover to suit the scale of your business, ensuring you only pay for what you need.
We understand the need for flexibility in the mobile catering industry. Whether you trade from a fixed location, operate a mobile food business, or manage a team, our policy allows you to choose the cover that best meets your needs. Please note that while we do not provide cover for vans, we can offer insurance for catering trailers.
Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Equipment & Stock
Frozen Goods
Employers' Liability
Catering Trailer
Public & Product Liability for Caterers
Cover up to £10 million
- Flexible cover limits: £1m, £2m, £5m or £10m
- Protects you if a member of the public is injured or their property is damaged.
- Covers claims linked to the food or products you serve.
- Includes legal defence costs and compensation if a claim is made.
Contents & Business Equipment
Cover up to £100,000
- Covers damage or theft of equipment at your business premises.
- Includes utensils, machinery, tools, fixtures, fittings, computers and office equipment.
- £5,000 included as standard (if eligible).
- You must be trading from a business premises.
Portable Business Equipment
Cover up to £100,000
- Protects equipment at your premises and anywhere in the UK
- Covers accidental loss, damage or theft
- £250 included as standard
Portable Stock
Cover up to £100,000
- Protects stock at your premises and anywhere in the UK
- Covers stock on the move & at temporary locations
- Covers at your business premises
- £250 included as standard
- Excludes unattended theft from vehicles and standard all‑risks exclusions
Frozen Goods
Cover up to £20,000
- Covers refrigerated stock against temperature change or leakage
- Includes breakdown of refrigeration equipment or power failure
- £1,000 included as standard
- Available whether or not you trade from a business premises
Loss of Money & Assault
- £1,000 included as standard (upgrade available)
- Covers theft or loss of money from your business
- Includes money at premises, in transit or stored securely
- Covers damage to tills, safes and cash containers
- Includes assault cover for you and your employees
Glass cover
Cover up to £25,000
- Covers internal and external glass at business premises
- Includes windows, doors, partitions, shelves and displays
- £2,000 included as standard (if eligible)
Employers’ Liability
£10 million cover
- A legal requirement if you employ staff
- Covers claims for injury, illness or death caused by employer negligence
- Protects against claims from employees and labour‑only subcontractors
- Apprentices can be included
- No limit on the number of employees covered
Stock at Premises
Cover up to £100,000
- Covers loss or damage to stock stored at your premises
- Automatic 30% seasonal uplift around Bank Holidays
- Available only if trading from a business premises
Alcohol Stock
Cover up to £100,000
- Covers loss or damage to alcohol stock at your premises
- Automatic 30% uplift around Bank Holidays
- Flexible limits up to £100,000
- Available only if trading from a business premises
Business Interruption
- Covers up to 12 months of lost income following insured damage
- Includes interruption caused by nearby property damage
- Covers supplier, utility, customer and access interruption
- Available only if trading from a business premises
Buildings & Tenants Improvements
- Damage to property at the specified business premises
- Includes fixtures and fittings, decorations, small outbuildings, garages, annexes and extensions
- Also includes lines, wires, service pipes, walls, gates and fencing
Owned premises (Buildings cover)
- Covers the building structure itself
Leased premises (Tenants Improvements)
- Covers improvements made to the property
Catering Trailer Cover (Annual policies only)
Up to £25,000 (higher values considered on referral)
- Covers accidental damage, theft or loss of your trailer
- Includes fixtures and fittings inside the trailer
- Optional cover for damage whilst in transit
Security requirements:
- Up to £10,000: a wheel clamp and hitch lock is required
- Over £10,000: an alarm, tracker, wheel clamp and hitch lock is required
- Overnight storage must be on a driveway, in a garage or locked compound
Important:
- Third-party road liability not covered within this policy, please ensure you check with the insurer of your towing vehicle to make sure this is covered.
- This policy can cover damage to the trailer itself (if selected)
- Bona‑fide subcontractors
- Catering activities overseas
- Financial losses from late or failed delivery
- Unattended trailers, stock or equipment left out of sight or more than one minute’s walk away
- Equipment or stock left unattended in vehicles
Other endorsements
- Staff (including apprentices) must hold at least Level 1 Food Hygiene certification
- Trailer security conditions must be met when unattended
Full exclusions and endorsements apply – please refer to policy documentation.
Public Liability insurance for caterers
- Up to £10 million available.
- Protection from claims by a third-party (e.g., a member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £10 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
Catering Equipment
- From £250 worth of cover.
- Add up to £10,000 worth of cover.
- Protects against accidental damage, loss, or theft of equipment you own or are legally responsible for. This includes business equipment that isn’t permanently fitted, whether it’s at your premises or temporarily off-site.
Stock
- From £250 worth of cover.
- Add up to £3,000 worth of cover.
- Provides protection for accidental damage, loss, or theft of your stock, including non-frozen goods, whether stored at your premises or temporarily elsewhere.
Frozen goods cover
- From £250 worth of cover.
- Up to £3000 cover available
- Protects your frozen goods against accidental damage, loss, or theft.
- Includes cover for damage or loss caused by refrigeration equipment breakdown or a failure in the public electricity supply.
- Also provides protection for losses resulting from theft or vandalism.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Loss of money
- Protection for any money earned through your insured business activities.
- Cash from your business is covered while it’s at your business premises, your home, or the home of any partner, director, or authorised employee. It’s also protected when being transported during business-related journeys.
- Cover also includes damage caused by theft to cash registers, safes, bags, or cases used to carry money, as well as damage to tills and safes.
- Cover for bona fide subcontractors, who should have their own insurance.
- Catering overseas.
- Claims for financial losses relating to non or late delivery of products to third parties.
- Cover for equipment and stock when left in a vehicle and/or catering trailer out of sight of the driver and/or more than one minutes walking distance from the driver.
Endorsements:
- Staff must have a minimum level 1 food hygiene certificate (including apprentices)
For information on exclusions in your cover please refer to policy documentation.
Why do you need coffee van insurance?
As a coffee van operator, your customers rely on you to serve high-quality coffee and drinks, whether you’re trading at street markets, festivals, or regular locations. They trust your expertise, professionalism, and dedication to delivering a great experience. However, even with careful planning, unexpected incidents can happen. Coffee van insurance protects professionals like you against potential claims arising from accidents, mistakes, or unforeseen events during your operations.
From equipment breakdown and stock damage to incidents involving customers or staff, running a coffee van comes with its own unique risks.
No matter the size or type of your coffee van business, challenges and risks can affect your income and reputation. That’s why our policy is designed to be flexible, offering tailored cover that gives you peace of mind and the freedom to focus on serving exceptional coffee and growing your business.
Here are some typical scenarios where coffee van insurance can be invaluable:
Protection from claims should a customer or 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 need public liability cover to avoid vulnerability to a substantial compensation claim, as well as other associated costs.
Protection if someone becomes injured or ill from food or drink 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 for coffee vans.
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.
Catering equipment was stolen at an event
Your catering equipment are to tools you need to deliver great food and service. But what if a key piece of equipment gets stolen during an event so you can no longer use it. If you don’t have the right cover, you’d face steep replacement costs, potentially impacting your ability to work.
Catering equipment insurance protects you from these unexpected expenses, ensuring you can get back to business without unnecessary stress.
Your catering trailer gets damaged on a job
If your catering trailer is the heart of your business, it’s an essential component serving meals to happy customers. Now imagine something large falling on your trailer during a job, causing damage that leaves it unusable. Without insurance, you’d face costly repairs, potentially running into thousands of pounds, along with lost income from downtime.
Catering trailer insurance protects you from these unexpected expenses, helping you get back to serving your customers without financial stress.
Our experts explain why...
“Operating a coffee van means your entire business is mobile, vulnerable, and exposed to risks that traditional cafés never encounter.
Road accidents, equipment breakdown, or theft could halt your trading overnight, whilst public liability claims from customer injuries or spillages pose constant threats.
Your van, espresso machines, grinders, and stock represent a substantial investment that needs protecting.
Purpose-built insurance for coffee van operators safeguards not just your vehicle and equipment, but your income stream too. It’s the foundation that allows you to trade at events, street locations, and festivals knowing you’re comprehensively protected against the unexpected.”
Chris Trotman, Protectivity Underwriting Manager
How much does coffee van insurance cost?
At Protectivity, coffee van insurance policies start at just £5.82* a month for an annual policy.
Your specific cost will reflect factors like your espresso machine’s value, whether you’ve converted your own vehicle, and the number of events or locations you trade from throughout the year.
Businesses requiring trailer cover or those with multiple staff members will pay more for the additional cover.
Prices from
£5.82* a month
Explainer quote
Policy cost
£5.82* a month
Policy type
Mobile catering
Duration
Annual
Turnover
£100,000
Public Liability
£1,000,000
Catering Equipment
£250
Stock
£250
Frozen Goods
£1000
This example is based on a real quote from our website on 03/06/2026. 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.
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.
Why choose Protectivity for your coffee van insurance?
Let the reviews of over 3,000 customers explain why you should choose us.¹
Trusted by over 180,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,000+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
Can I insure more than one coffee van on the same policy?
To insure more than one van/trailer, you would need to take out more than one policy.
Do I need cover for staff who work with me?
Yes. The policy has optional employers’ liability cover if you have employees or hire helpers, which is a legal requirement in many cases.
Can I get insurance if I use the van at both fixed pitches and mobile locations?
Yes. The insurance is designed to suit operators who trade from both fixed pitches and mobile spots, when ‘including mobile’ is selected. The flexibility is built into the cover offerings.
Do I need liability cover if I serve food and drinks?
Yes. Liability cover is essential. The coffee van policy includes public liability (for injury or property damage to third parties) and product liability (for injury or illness caused by what you serve).
Am I covered if I trade at festivals or street markets?
Yes. The policy is intended for mobile coffee businesses that could operate at street locations, markets, and festivals.
Does cover include my coffee machines, grinders and stock?
Yes. Protectivity’s coffee van insurance includes equipment cover that protects coffee machines, grinders, water systems, and serving equipment against damage, theft or breakdown. It also provides stock cover for consumables like beans, milk, syrups, and refrigerated items, and even covers frozen goods.
What type of insurance do I need for a coffee van?
You need coffee van insurance, a specialist business insurance policy tailored for mobile coffee operations. This combines public liability, product liability, equipment, and stock cover — designed specifically for mobile coffee operations. Our policy doesn’t provide cover for the vehicle itself, but can cover trailers and business operations.
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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 03/06/2026. 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 present
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