Looking for Catering Van Insurance?
Whether you’re serving up burgers at a festival or cocktails at a wedding, if you bring refreshment to the masses then you’ll most likely need a form of catering van insurance.
If you’re a mobile caterer then there’s a few things you’ll need to consider when looking for the right kind of catering van insurance for you. You might want to cover things like equipment you use (particularly expensive electrical equipment), the van itself, stock and even protect yourself from claims from customers too.
Liability insurances you may want to consider
The compensation claim process can be long and expensive, so if you run your own business you may want a decent level of financial protection from your catering van insurance policy. Whether it’s a member of the public or an employee claiming against you, it could run into the thousands.
If you have staff, whether they’re full-time, part-time or even temporary you’re required by law to have this policy. It will help you if an employee becomes ill or injured as a result of working for you.
This type of policy will cover you in case a member of the public is injured or becomes ill as a result of your business, or even if their property becomes damaged too. For example, if you’re backing up your catering van and it hits someone’s car, or a customer gets food poisoning.
What types of catering van insurance are there?
Catering vans come in many shapes and sizes and with many offerings, so it makes sense that catering van insurance policies do too. For example, a fish and chip van will mostly likely have very different equipment and stock to one that serves coffee, or indeed just doughnuts. Make sure you look into different types of policy that you may need such as:
- Modified catering van insurance
- Business legal protection insurance
- Business equipment insurance
- Stock insurance
- Goods in transit insurance
- Fire, damage or theft insurance
- Comprehensive insurance
- Commercial buildings insurance
Follow catering regulations and processes
Working in the catering industry, you’re probably already aware of the necessary legal rules and regulations for supplying food and drink to the public, so make an effort to keep up-to-date with anything you may need to do.
Not only will some events companies and locations require you to have certain catering van insurance policies before hiring you (such as public liability insurance), but you can make sure that you’re controlling and minimising any risks to yourself, customers and employees too.
Catering Van Insurance – Useful FAQs
If you’re lucky enough to have a fleet of catering vans then you might want to have them all under the same policy. Speak to your insurer who will be able to give you all the details.
When taking out vehicle insurance for the van, make sure you specify that it is has a business use, if you do not tell you insurer this then your policy could be void and any claims denied.
Yes certainly. Some insurance providers will class this as a different policy to catering van insurance, so it’s best to raise the question of the trailer when setting up the policy to ensure you get the right coverage.
It may do to a certain level, so make sure you’re clear on any exclusions or stipulations when purchasing the policy, rather than waiting until something goes wrong.
Sometimes this is a perk that certain insurers will throw in for free, but do check as you don’t want to be stranded on the side of the road, especially if you’re on your way to an event!