Going Mobile? Your Risks and Insuring A Catering Trailer
Insuring A Catering Trailer
If you have been considering starting a mobile catering trailer business, it will obviously help you if you know someone involved in the industry already. Based on live experience, they will be able to explain the risks and give you the benefit of their experience in handling difficult situations that have arisen.
Because owning mobile catering trailer means you can literally take your business anywhere, it can be exciting and varied. All sorts of people offer mobile catering services, and most of them enjoy it tremendously. Some even have weekend catering businesses.
There are many different types of cuisines involved when you run this type of operation, not to mention the many different locations in which an owner can set up. Some mobile catering trailers are static and occupy the same spot regularly, while others travel to a variety of locations serving concessions at more short term events. Some do a lot of private parties, some set up at carnivals, and still others serve food during community events. It all depends where you target your niche.
Where there is a lot of travel involving several venues on a regular basis, it is obvious that the levels of risk will vary. If your business requires the towing and pitching up a catering trailer you must make sure you take insuring a catering trailer seriously in order to ensure adequate protection. If you have to leave your catering trailer in a location you are unfamiliar with it can be a real worry.
There are several scenario’s where this type of situation could present itself. Imagine spending a day outside a a football match, violence breaks out and not only does the catering trailer get trashed or turned over, but also a member of staff gets hurt. A similar set of circumstances could be evident outside a night club. In the event of the worst happening to your catering trailer or a member of staff, you’d want to make sure that you could demonstrate a high standard of care, by looking after your employee and replacing your asset with the minimum of disruption. There are also risks when towing the trailer, and being able to spot problems or deal with roadside breakdowns is important if you are to meet your business commitments, take a look at our catering trailer insurance breakdown precautions post for things to be mindful of if you have a long journey ahead.
So as enjoyable as it is, having a business involving a mobile catering can be financially risky. It is good to know that mobile catering insurance is available to cover not only the replacement value of property such as the trailer, but also to pay for personal injuries and liability for the injuries of both employees, and the public. Mobile catering insurance usually covers damage to the property of others in the event of liability and incidents of accidental poisoning, it is always best to carefully check your policy details or establish your requirements clearly at the quote stage.
Whether catering trailer owners stay set up in one spot, serve one community, or travel the country with their trailers, the correct insurance is critical in order to protect the owner from loss and liability. As well as regular types of insurance on a catering trailer, policies can also be configured to cover lost income, in the event that the owners is unable to set up at the planned location.
Specialised mobile catering insurance is necessary to cover all risks related to this industry. Experienced providers are familiar with the mobile catering business, and offer a wide variety of policies to cover specific types of peril, while offering a general coverage for the most frequent mobile catering mishaps.