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Catering Insurance
Compare insurance for catering businesses
Quality insurance for catering
Protect against claims made by the public, employees or clients
Tailored business insurance for offices
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business ventures, including catering
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
catering insurance?
Whether you cater for weddings, prepare food for business functions, or run a local food stall, your business activities should be protected. Even if you’re careful, there are always risks that someone could get food poisoning or have an allergic reaction to the food you’ve prepared. That’s why it’s a good idea to have your back covered should the worst ever happen.
Having sufficient cover helps when things go wrong and provides a financial safety net in case someone makes a claim against you or in the event you need to make a claim. Catering insurance protects against unforeseen events and provides peace of mind so you can focus on what’s most important — running your business.
What types of catering businesses need insurance?
We know every catering business is different, but we can help arrange cover for the following businesses:
- Event catering
- Wedding catering
- Social event catering
- Corporate catering
- Buffet catering
- Static food trucks/vans
- Bar services
- Event catering
- Food stalls/market stalls
Is your catering business not listed? Don’t fret — we could still help arrange cover for you. Get in touch with us today and our knowledgeable insurance team will be on hand to help you through the options.
How does catering insurance protect businesses?
Working in kitchens and serving hot food comes with various risks, so it’s important that you have the right cover in place. For example:
- A customer has an allergic reaction to your food or gets food poisoning
- An employee slips, falls or burns themselves and suffers an injury
- An accidental fire breaks out in the kitchen you are using and damages equipment
- A supplier ceases trading and lets you down, meaning you’re unable to operate
Some clients may insist you have the right insurance before starting a job, therefore, it’s essential to have for securing new trade.
What does catering insurance cover?
Policies will vary per provider and you should always refer to your policy wording for details about what is covered. Your package could include:
Employers liability insurance
If you have one or more employees, you must have this insurance by law.
Public liability insurance
In case someone suffers an injury as a result of your work or something gets accidentally damaged when you’re working.
Business equipment insurance
Protects against the cost of damaged, lost or stolen equipment.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
Product liability insurance
Covers you if a food or beverage item you sell causes illness and a claim is made against you.
What isn’t covered by catering insurance?
Even if you have sufficient coverage, not all events may not be covered in your policies, including:
- Deliberate events that purposefully lead to illness, injury or damages
- Injuries/damages that happen when travelling outside the UK
- Any contractors or subcontractors you employ. They should have their own insurance in place.
- General wear and tear of equipment
Remember, every insurer is different, and policies vary per provider. Find out what types of cover you need, by starting a quote online today.
"From first bite to last toast, catering success secured by insurance that serves up protection when unexpected events disrupt your service."
James Barwell, Insurance Director
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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