Catering insurance
Insure your catering business for liability with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better catering insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a catering liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a caterer.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
What is freelance insurance?
Catering insurance is a public liability policy that protects businesses in the food and hospitality industry from claims involving injury or property damage resulting from their services. This insurance ensures caterers can serve their clients with confidence, knowing they are shielded from financial risks.
It covers various situations where a caterer could be held liable for causing harm or damage.
Key cover areas typically include injury to guests, damage to property at venues, legal defence costs, and compensation claims.
Public liability insurance is crucial to catering businesses for several reasons:
- Business reputation: Insurance reflects professionalism and responsibility, giving clients confidence in your catering services and strengthening your reputation.
- Financial protection: Accidents, such as a guest becoming ill due to a catering mishap, can lead to expensive claims. Public liability insurance safeguards your business against such financial liabilities.
- Client Requirements: Although not a legal obligation in the UK, public liability insurance is often a requirement for working at venues or securing client contracts.
What are the benefits of a catering insurance policy?
Personal injury claims
Your insurance safeguards you if someone is injured due to your catering activities, such as slipping on a spill or being harmed by your equipment.
Damage to property
Your policy covers the costs if your catering activities accidentally damage property, like staining a venue’s flooring or breaking valuable equipment.
Legal protection
Your insurance covers the legal fees required to defend against liability claims, whether or not the claims are valid.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does catering insurance cost?
This depends on the nature and size of your catering business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Level of cover
The cover you choose impacts costs. Standard policies start at £1 million, with £5 or £10 million options available for larger operations.
Nature of business
The nature of your catering work affects premiums. Businesses handling larger events or serving alcohol may face higher premiums.
Location
Your operating area matters. Catering in high-crime or high-claim regions could increase insurance costs.
Business size and turnover
A higher turnover, reflecting more events or clients, can raise your premiums due to the increased exposure to risk.
Number of employees
Employing chefs, servers, or other staff increases risk and can raise your insurance premiums.
Claims history
Caterers with a clean claims history may benefit from lower premiums, while those with a history of claims might face higher costs.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.