What does Food Insurance cover?

As a food vendor having specialist food vendor insurance in place can cover you against unexpected incidents where a claim may be brought against you and your business. 

Our policy can provide you with Public and Products Liability cover, which will give you protection against injury to a member of the public from the food you sell. It also provides cover should you accidentally cause damage to a customer’s belongings. 

Optional Employers’ Liability is available which can protect you and your business against claims, coming from employees and labour only subcontractors, whom you have contracted to aid your business.

You can get an instant quote for Food Vendor Insurance and buy online in minutes. Alternatively, give our UK sales team a call on 014949 887909 to discuss your insurance needs. 

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Why choose us for food vendor insurance?

Instant Quotes & Cover

Taking out cover is so quick and easy. Just give us a few details about yourself and your stall, and we can often give you an instant price. You can then be covered in a couple of minutes.

Trusted by Thousands

We have been providing insurance to UK customers for over 25 years. Today we protect over 60,000 customers each year, and uphold an excellent customer service score based on over 3,000 customer reviews. 

Monthly Payment Options

We are one of the only online Food Vendor Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.

Excellent Claims Handling​

Our specialist UK based claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing disruption to your business.

What type of insurance do we offer Food Vendors?

Not every food vendor is going to need the same insurance protection. That’s why we make it easy for you to choose the cover you need. Here’s what we can offer on your policy:

Public Liability

Public Liability insurance will protect you against accidental injury or illness caused to a member of the public, or accidental damage to a third-party’s property. The policy will cover the costs associated with defending yourself if you are blamed, as well as handling any settlement with a third-party. 

Products Liability

This insurance extension is provided with the Public Liability cover and is designed to protect you 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.

Employers' Liability (Optional)

If you employ members of staff (even just one) then it is a legal requirement to have employers’ liability insurance in place. This means that if one of your employees is injured while working, and suffers financial loss as a result, your insurer will cover you (up to £10m) for compensation.

Commercial Legal Protection (Optional)

This optional benefit provides you access to a Legal Helpline and provides cover for costs and expenses, should you have any business issues relating to breaches of restrictive covenants, defence of legal rights, protecting your property, personal injury, jury service and witness expenses, statutory licence appeal, contract disputes and recovery of undisputed debts.

I was impressed how fast and efficiently my claim was handled. It was clear how to make my claim and the process was straightforward. Overall, very pleased.

Fantastic claims handling

It’s never nice having to make an insurance claim as it means something has gone whilst you’ve been selling or exhibiting. That’s why we aim to make it as quick and simple to put in your claim.

Our specialist handlers will deal with your claim in the most efficient and sympathetic manner to ensure you can continue running your stall without distractions.

How much does Food Vendor Insurance cost?


The cost of food vendor 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.


You should expect to pay somewhere in the region of £60 to £120 a year for your policy or £5 to £9 a month. Comprehensive liability cover for a small price, given how expensive a compensation claim could be.

Free SafeCheck with Food Vendor Insurance

What is SafeCheck?

Exclusive to our Caterers & Food Vendor Insurance you can take advantage of SafeCheck, a complimentary health and safety service offering additional protection for your catering business.

Simply book an assessment to receive a comprehensive report identifying potential risks to your business. 

What’s included in your report:

To take advantage of this service find out more when you get a quote for your food vendor insurance policy.

Frequently Asked Questions

Q. Do you offer insurance for to food vendors with a van or trailer? 

A. Yes, we can provide public and products liability for food vendors who operate out of a trailer or van. However, we do provide cover for the van or trailer itself. 

Q. Is my food vendor equipment covered?

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

Q. Can I include liability cover for subcontractors, who I use to aid my business?

A. This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance. 

Further information on our policy

If you have any other questions, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.