Food Vendor Insurance

Specialist cover for Caterers and Food vendors from £4.92 per month.*

  • Public Liability up to £5m
  • Equipment & Stock cover
  • Join over 150,000 customers**

From £4.92* a month

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Trusted by thousands...

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

What does food vendor insurance cover?

Our insurance for food vendors provides specialist protection for freelance vendors, street food sellers, and mobile food vendors offering hot or cold food, including those operating from food trucks or stalls.

With our policy, you’ll enjoy public liability and product liability cover of up to £5 million as standard. It also includes vital 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 food truck or stall cover. You can tailor your level of cover to match the scale of your business, ensuring you only pay for what you need.

We understand the need for flexibility in the food vending industry. Whether you operate from a fixed location, run a mobile food business, or manage a team, our policy enables you to select the cover that best fits your requirements.

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.

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Public Liability

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Equipment & Stock

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Frozen Goods

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Employers' Liability

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Catering Trailer

Why do you need food vendor insurance?

As a food vendor, your customers rely on you to provide exceptional food and service, whether at markets, festivals, or regular trading locations. They trust in your expertise, professionalism, and commitment to quality. However, even with careful planning, unexpected incidents can occur. Food vendor insurance protects professionals like you from potential claims that may arise from accidents, mistakes, or unforeseen circumstances during your business operations.

From food-related issues to equipment damage or accidents involving customers or staff, the food vending industry comes with its share of risks.

Whatever your food vending activities may be, there will always be unique challenges and potential risks that could affect your business. That’s why our policy is fully customisable, offering tailored coverage whether you operate a food truck, run a food stall, sell street food, or work as a freelance vendor. With the right insurance, you’ll have the confidence to focus on serving your customers and growing your business.

Here are some common examples of when food vendor insurance becomes essential:

Protection from claims should a client 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 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 for food vendors.

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

Your catering trailer is the heart of your business, 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...

“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.”

Mandy Czyz, Protectivity Underwriter

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 food vendor insurance cost?

At Protectivity policies start at just £4.92* a month.

There are varying factors that will influence the exact amount you pay for food vendor insurance. It could be you have high-value specialist equipment that you need to cover, or employees working for you to add to your policy, which will influence your overall price.

 

 

Prices from

£4.92* a month

Explainer quote

Policy cost

£25.53* a month

Policy type

Food Vendor

Duration

Annual

Turnover

£50,000

Public Liability

£1,000,000

Catering Equipment

£250

Stock & Frozen Food

£250

Trailer Cover

£6000

This example is based on a real quote from our website on 10/02/2025. 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.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your food vendor 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.

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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 10/02/2025. 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