Insuring your catering business
A big event takes weeks of preparation – planning menus, sourcing ingredients and making sure you have the right people in place. Other times you’re simply trying to serve a lot of customers quickly. But sometimes people make mistakes, things go wrong and diners complain. Having catering insurance in place means you’re covered when things don’t go to plan. We’ll build a personalised catering business insurance policy to help you out.
Why you need business insurance in catering
Unhappy clients
A menu leaves out important information, the meal arrives late, or an oversight with ingredients triggers an allergic reaction. There’s a lot that could go wrong when you have so many details to manage. No matter who’s at fault, if a client brings a claim against your business you’ll need a professional catering insurance policy that defends and protects you.
Professional mistakes
You might not want to think about it, but you may be challenged on the food you prepare – your team might overlook a specific customer request or a dish could just go wrong on the night. Even if you don’t feel there’s a mistake at all, you may still have to defend yourself, so a professional insurance policy means you’re covered.
Technical problems
If something breaks down in your kitchen, everything stops until it’s up and running again. You’ll have to reduce or even stop service, and you may have to cancel customer orders. Caterers’ insurance makes sure we’re there to cover the costs of repairs or replacements and get you back on track.
If you’re not sure what you need, tell us a little more about your catering business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for the catering industry
Public liability insurance
Whether you’re catering for a large event with hundreds of guests or serving up a more intimate meal for a handful of people, either way, you’re working with the public. Public liability insurance protects you if someone claims they’ve been injured or their property was damaged because of something you or an employee did, either on your premises or on location. It covers the cost of compensation and the legal expenses of the claims process.
Professional indemnity insurance
As a chef, insurance that helps to protect your reputation when someone calls it into question is essential. Perfection is always the goal, but you can’t get everything right all the time, and there’ll be occasions when you’re certain you’ve done a great job but a customer disagrees and you end up facing legal action. Professional indemnity insurance for caterers helps you to protect your business and your good name.
Business interruption insurance
Your job relies on your own skills and experience, but you need the right tools to hand and the right environment to work in too. Business interruption insurance for caterers is there to protect you if your kitchen is damaged or inaccessible and you need to temporarily close it for repairs. We can also insure your key equipment against failure, loss or damage so you can arrange replacements quickly and minimise downtime.
These are just some of the types of business insurance for caterers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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