Mobile Bar Insurance
Specialist cover for mobile bar operators 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 mobile bar insurance cover?
Our insurance for mobile bar vendors offers specialist protection for freelance vendors, mobile food and drink businesses and street food and drink sellers 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 £10 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 EquipmentÂ
- 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 mobile bar insurance?
As a mobile bar operator, your customers rely on you to deliver exceptional drinks and service, whether you’re serving at weddings, festivals, private parties, or regular venues. They trust your expertise, professionalism, and attention to detail to create memorable experiences. However, even with careful preparation, unforeseen incidents can occur. Mobile bar insurance protects professionals like you against potential claims arising from accidents, errors, or unexpected events during your operations — helping you keep your business pouring smoothly and your reputation intact.
From drink and food related issues to equipment damage or accidents involving your staff or customers, catering comes with a variety of risks.
Whatever your catering activities may be, there will always be unique challenges and risks that could impact you and your business. That’s why our policy is fully adaptable, offering tailored cover whether you’re a private chef or freelance caterer, operate a catering trailer, run a food stall, or are catering a one-off event. With the right insurance, you’ll have the peace of mind to focus on delighting your clients and growing your business.
These are some typical examples of when catering insurance is a necessity:
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 property. For example, this could include a guest slipping near your bar setup, or accidental damage to a venue’s surface or furniture while serving drinks.
Either way, in the event of incidents like these, you need public liability for catering cover to avoid vulnerability to a substantial compensation claim, as well as other associated costs.
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 bar 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’re contracted to provide a mobile bar for an event, it’s often a requirement to show proof of public liability insurance to the venue or event organiser as part of their risk assessment process.
Your trailer gets damaged on a job
If you operate your bar from a trailer, your trailer is the heart of your business, serving drinks to happy customers. Now imagine something heavy falling on your trailer during an event, causing damage that leaves it unusable. Without insurance, you could face costly repairs, potentially running into thousands of pounds, along with lost income from downtime.
Mobile bar trailer insurance protects you from these unexpected expenses, helping you get back to serving drinks and keeping your events running smoothly without financial stress.
Our experts explain why...
“Running a mobile bar business means transporting valuable equipment to different venues, serving alcohol to the public, and operating in environments you don’t control.
The combination of glassware, expensive bar equipment, alcohol stock, and potentially intoxicated guests creates significant exposure to claims and losses. Damage during transit, theft at events, or liability claims from alcohol-related incidents could prove financially devastating without proper cover. Specialist mobile bar insurance protects your business assets whilst demonstrating professionalism to venues and clients.
Chris Trotman, Protectivity Underwriting Manager
How much does mobile bar insurance cost?
Mobile bar insurance starts at just £5.82 for mobile bar liability insurance, including the value of your bar equipment and stock, the types of events you serve at, and whether you operate from a trailer or portable setup.
Adding cover for high value fixtures or a converted horsebox bar will increase costs, as will employers’ liability if you hire staff. However, having insurance in place protects not just your assets but your reputation and earning potential.
Prices from
£5.82* a month
Explainer quote
Policy cost
£5.82* a month
Policy type
Mobile catering
Duration
Annual
Turnover
Up to £100,000
Public Liability
£1,000,000
Catering Equipment
£250
Stock
£250
Money & assault
£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.
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 catering insurance can protect you against common incidents.
Whilst we can cover your catering trailer, please note our policy cannot cover your vehicles, this insurance would be through your motor insurance policy. See policy documentation for more details.
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.
Why choose Protectivity for your mobile bar insurance?
Let the reviews of over 3,000 customers explain why you should choose us.¹
Trusted by over 180,000 policyholders a year.
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
Does insurance include transporting stock and equipment to different venues?
Yes, stock and equipment will be covered in transit.
Can I get cover for glassware, kegs, and refrigeration units?
Yes. The equipment cover includes portable bar units, glassware, refrigeration, cocktail tools etc.Â
Am I covered if I hire out staff along with the bar?
Yes, to the extent of staff you employ. The policy supports employers’ liability cover for staff working under you.  However, note that bona fide subcontractors are excluded (i.e. staff who are independent contractors must have their own cover).Â
Do I need insurance if I only run a bar at private parties?
Yes. Even if your bar work is limited to private parties, the mobile bar insurance still applies to events like that, offering you liability and equipment/stock cover for those occasions.Â
Am I covered if I run more than one mobile bar?
Yes, our caterers policy is available on a one– off or annual multi event policy, however to insure multiple trailers, you would need multiple policies.Â
Can I cover staff working across multiple events?
Yes, our caterers policy is available on a one– off annual multi event policy. You will need to add employers liability to your policy.Â
Do I need a licence before I can get mobile bar insurance?
A license is legally required for any business that sells alcohol, so they need to make sure that they have obtained / in the process of obtaining this prior to quotingÂ
Does insurance include my stock, bar units and equipment?
Yes. Protectivity’s cover provides equipment cover for bar units, glassware, cocktail equipment, refrigeration, etc.  It also provides stock cover for alcohol inventory, mixers, garnishes and consumables.  Additionally, there is frozen goods cover for ice, frozen garnishes, or refrigerated items, including lossesÂ
Am I covered for weddings, festivals and private parties?
Yes. The policy is intended for mobile bars serving at various events — weddings, private parties, festivals, street markets, etc.Â
Do I need specific cover for serving alcohol at events?
Protectivity’s mobile bar insurance includes public liability and product liability cover, which is critical includes serving alcohol. This protects you if guests are injured or make claims related to drinks you supply.Â
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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