Catering Liability: What Are Your Caterers Liabilities?

A comprehensive catering liability insurance policy allows your business to remain functional, irrespective of external influences.

1 – Knowing that you are fully insured will help to gain client trust.

As a caterer, you’ll want your business to appear as professional as possible when you are presenting to potential customers. From the minute they make contact, one of the first questions any savvy customer will ask is what happens if something goes wrong? For instance, do you have insurance? A catering liability policy ensures that they’ll have some peace of mind, no matter what incidents may occur. In the unfortunate event of food poisoning, you’ll have the capital reserves to cover any medical attention claims. If you have an accident and your vehicle is damaged, you’ll be able to rent another to maintain your business. In any event, the customer won’t be left hanging if you have sufficient catering insurance in place.

2 – Catering Liability Insurance Can Be Configured To Cover Almost Everything

In some cases, catering vehicles require specialist modification in order to be able to transport equipment used by caterers. Normally average car or van insurance won’t cover you if you’ve made too many modifications to your vehicle unless you increase the premium and disclose any modifications. It is worth remembering that you need workplace accident insurance to cover kitchen injuries, liability insurance to cover legal expenses, and car or van insurance to cover the vehicle. Rather than spend time managing paperwork and remembering different renewal dates, surely it makes sense to consolidate into one simple monthly caterers insurance payment?

3 – Manage Customer Expectations

There may become a time when a customer wants to take legal action against your business for a number reasons. If you have the capital reserves to pay such a claim, that’s all well and good. However, if business is tough the additional legal time and expense could well be difficult to fund. Catering insurance lets you deal with any unexpected disruption to the flow of your business by becoming your emergency fund. Every month you pay in, you have the added peace of mind that your livelihood and your business are protected.

4 – Protecting Your Stock

Consider what could happen to your stock in the event of a power cut? This could ruin an entire contract if you don’t have catering insurance. Imagine having all of your food in the refrigerator spoil overnight or over a weekend holiday. No matter how your business is thriving, this kind of catastrophe could really slow you down. Having catering insurance in place, you can relax.

If there’s a fire, a flood, a power cut or burglary involving your catering business, a policy can be set up to help you recover the assets that you lost.

Catering insurance is a key component in the functioning of any catering business. If the business is in its early stages, you should consider speaking with an specialist insurance broker to find the best way of protecting your business in the early days of operation, all the way through its profitable future.

NCASS is the trade association for the mobile and outside catering industry. Our approved caterers liability insurance scheme gives complete peace of mind. Catering liability insurance policies are available to cover a multitude of risks.