What Insurance Do I Need For A Mobile Catering Vehicle
You insure your car and your home against loss, theft, and damage – why not your livelihood too? Your car and home are valuable assets, and you take steps to protect them from unforeseen events. Similarly, your livelihood is crucial, and safeguarding it is equally important. Just as you wouldn’t leave your car or home unprotected, it’s essential to ensure that your means of income is also well-secured.
Key Aspects of Mobile Catering Vehicle Insurance:
- Vehicle Cover
Protects your catering van, truck, or trailer against theft, fire, and accidental damage—on the road and while parked at events or storage.
- Public Liability Insurance
Covers legal costs and compensation if a member of the public is injured or their property is damaged due to your business activities.
- Employers’ Liability Insurance
A legal requirement if you have staff. This protects you if an employee is injured or becomes ill due to their work.
- Product Liability Insurance
Covers claims if someone falls ill or is injured as a result of consuming your food or drink.
- Stock & Equipment Cover
Protects the valuable tools of your trade—cooking appliances, refrigeration units, utensils, and your stock—from damage, theft, or loss.
- Business Interruption Cover
Helps recover lost income if you’re unable to trade due to an insured event like a fire or major equipment breakdown.
- Goods in Transit Insurance
Covers your food stock and equipment while being transported between locations or suppliers.
- Legal Expenses Cover
Assists with the cost of legal representation for disputes such as contracts, employment issues, or health and safety matters.
- Breakdown Cover
Optional but vital—ensures you’re not left stranded on your way to a trading pitch or event.
- Event & Festival Cover
Additional cover for temporary trading locations, such as festivals, fairs, markets, and private functions.
Get specialist catering insurance from West Craven Insurance. As an independent insurance broker, West Craven Insurance offers access to a wide range of A-rated insurance providers. We understand that each catering business is unique, and mobile caterers face additional risks and liabilities. Therefore, we take the time to learn about you, your business, and your customers. This allows us to create a catering insurance package tailored to your specific needs at a competitive price.
