Whilst Catering Public Liability and Product Liability Insurance is not a legal requirement at present, it is generally voluntary purchased. Catering Public Liability insurance covers you for claims made against you by members of the public and/ or other businesses. Without this insurance cover you and/or your business can be liable to any successful claim that may arise and all settlement costs involved. Limits for the Public Liability can vary, depending on each individual specific requirement. The lowest level of cover is normally £1 Million, but many Catering Trades require £5 Million (as requested by the Local Environmental Health Department). Product Liability Product Liability Insurance covers you against compensation awarded as a result of damage to property or personal injury caused by your product. This can include food poisoning, contaminated food or lack of label warnings. Product Liability is normally included at the same limit as the Public Liability. Employers’ Liability Employers’ Liability Insurance enables businesses to meet the costs of compensation and legal costs for employees who are injured or made ill at work through the fault of the employer. Employers’ can be fined for any day that they are without suitable insurance. If you do not display the certificate of insurance or do not make it available to Health & Safety inspectors when asked, they can also issue a fine.
Request a quote online now for your catering liability. Or request that we call you back on a day which is most convenient for you to discuss your specific needs and demands. If you'd prefer to call to discuss your catering liability with one of our experienced insurance advisers, call us on 01628 667 707. We are open Monday to Friday (9am until 5.30pm) and on Saturdays (9am until noon).
Example Trades:Baked Potato Oven • Bread Van • Buffet Caterer (Hot & Cold) • Cafe • Cake Makers & Decorator • Catering Trailer (Hot & Cold) • Catering Van • Chocolate Fountain • Chef (Freelance) • Coffee Shop • Contract Caterer • Cookery Demonstration • Fish & Chip Van • Fruit & Vegetable Stall • Hog Roast & Barbecue • Homemade Preserves • Ice Cream Van • Ice Cream Stall • Juice Bar • Mobile Butcher • Mobile Shop • Restaurant • Sandwich Distribution • Sandwich Shop • Sandwich Van • Snack Van • Takeaway • Tea Room • Vending Machine • Wet Fish Round