Additional Insurance Covers

The more protection you take out, the more peace of mind you’ll feel.

Sometimes it makes sense to take out further protective insurance policies, to make your catering business completely stable, and to give yourself real peace of mind.

Taking out additional covers will help you avoid ever finding yourself in a very sticky (and costly) situation. We’ll work with you to make sure that all of your policies work together to take care of your business needs.

Call 0300 124 6866 for honest advice and find out what you can add to your cover. Here’s what’s available….

Business Legal Insurance (Legal Expenses)

Example

Insured events covered

1. Employment
A dispute between you and your employee, ex-employee, or a prospective employee, arising from a breach or an alleged breach of their
a) contract of service with you and/or
b) related legal rights.

A claim can be made under the policy provided that all internal procedures as set out in the
i) ACAS Code of Practice for Disciplinary and Grievance Procedures, or
ii) Labour Relations Agency Code of Practice on Disciplinary and Grievance Procedures in Northern Ireland
have been or ought to have been concluded.

Example: What is not covered under
Insured event 1Any claim arising from or relating to:1. the pursuit of an action by you other than an appeal against the decision of a court or tribunal
2. redundancy, alleged redundancy or unfair selection for redundancy, occurring during the first 180 days of this policy, except where you have had equivalent cover in force up until the start of this policy
3. legal costs & expenses for preparation and representation at an internal disciplinary hearing, grievance or appeal.
4. a pension scheme where actions are brought by 10 or more employees or ex-employees

Legal Expenses Insurance

Cover to protect you against the cost of legal proceedings if legal action was brought against or by you. Some people call it legal protection insurance too.

Business Interruption Plan

In the event of Damage to the Property used by the Insured for the purposes of the Business carried on by the Insured at the Premises during the Period of Insurance from the Insured Perils under the chosen section
Example Exclusions
Virus, Disease and Pandemic Exclusion

Breakdown Insurance

Breaking down on the way to an event means lost earnings. Get back on the road quickly with breakdown cover.

Stock Insurance Plan

Protect your stock so that theft or damage don’t impede your ability to trade. Get it as part of your trailer insurance package.

Equipment Insurance

In the event of an Accident at the Premises to Covered Equipment owned by the Insured or for which the Insured is responsible during the Period of Insurance the Insurer will indemnify the Insured in respect of any Damage resulting from such loss destruction or damage or at its option replace or reinstate such Covered Equipment in accordance with the provisions of the Policy

Example Exclusions
depletion deterioration corrosion erosion wear and tear or other gradually developing conditions
any condition which can be corrected by re-setting calibrating re-aligning tightening adjusting or cleaning or by the performance of maintenance

Home Insurance Plan

Running a catering business from home? Make sure you’ve got business cover included in your home insurance.

Business Content Insurance

Contents – The Contents of the Buildings used in connection with the Business belonging to the Insured or for which the Insured is legally responsible

Example Exclusions:
No payment will be made beyond the amount insured
Excludes Theft cover unless Minimum security requirements complied with

Premises and building Insurance

Fire, Lightning, Explosion, Aircraft or other aerial devices or articles dropped from them, Earthquake and subterranean fire, Theft or attempted theft involving entry to or exit from the Buildings, Storm, Flood, Impact, Escape of water, Accidental damage and Subsidence ground heave or landslip

Example Exclusions

Excluding Theft

loss from any structure which is incapable of being locked

damage in respect of Property in the open

damage whilst any Building is Unoccupied

Excluding Accidental Damage

to Property resulting from its undergoing any process of production packing treatment testing commissioning servicing adjustment or repair

And that’s on top of prices that are already 10% cheaper than the rest of the market! Plus you can take advantage of loads of other benefits for your catering business… > Find out more about joining NCASS

Individual
underwriting

Up to 15% discount for NCASS members

Protected no claims bonus

Instant
quotations

Easy payment terms e.g direct debit

Call 0300 124 6866 for your quote
Protect your mobile catering business. Protect your future.

Get your protection 100% right with expert advice

Every time you talk to NCASS you get tailored insurance advice from experts. We’ve been working as and with caterers since the 80’s and we really want to help your mobile catering business be safe, legal and profitable. Some other insurers won’t walk you through exactly which policies and covers you need, and you’ll end up paying for it later. That doesn’t happen at NCASS.