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What is catering van insurance?
Catering van insurance is an essential aspect of running a successful mobile catering business. Catering van insurance cover is a specialised type of insurance that provides coverage for risks associated with operating a mobile catering van business. This includes potential damages to the van, the equipment inside, and also covers liability issues that may arise from its operation.
Catering vans often carry valuable cooking appliances and stock, operate in diverse locations - from bustling city streets to quiet country festivals, and are subject to unique risks like food spoilage or customer injuries. Catering van insurance is designed to address these specific challenges.
Whether you're serving up gourmet burgers at a music festival or hot coffee at local farmers markets, knowing you have the right protection in place can offer peace of mind. Consider it as a safety net that ensures your business can bounce back quickly from any unforeseen incidents.
If you’re running a mobile catering business, securing a catering van insurance should be high on your priority list. It's not just about protecting your vehicle; it's about safeguarding your livelihood.
Safeguard your catering vehicle
Catering is a tough job and we understand all of the hard work and time you put into making your business a success.
Mobilers can arrange cover for a host of different Catering Vehicles, from Hot & Cold Food Dispensers to Ice Cream Vans, Jiffy Trucks and even Non-Catering vehicles.
- Vehicles over 3.5 tonnes can also be quoted for, along with any fleet policies, withvalues ranging from £1,000 to £200,000 able to be covered.
- As well as cover for your Vehicle, we can also arrange cover for your Fixtures and Fittings, which can often exceed the value of the vehicle itself.
- Third-party towing risk is also covered under these policies, with Fire cover (whilst cooking) also included.
If you aren’t sure if we can arrange cover for you, just ask, chances are we can.
Policy benefits can include*:
- Instant cover available from experienced advisors
- Full fire cover as standard
- Fixtures and fittings covered
- Mirror bonus available
- Cover for policy holders over 21 years old
- Flexible payment options
*Policy benefits, features and discounts offered may vary between insurance schemes or cover selected and are subject to underwriting criteria
Does the type of food I sell impact my catering van insurance?
Insurance companies often consider the nature of your catering business, including the type of food you sell and the equipment you use, when determining your catering van insurance quotes. For example, if you're selling deep-fried foods which require using flammable oils, your insurance provider may regard this as a higher risk compared to selling sandwiches or cold drinks.
A higher risk of fire or accidents related to the cooking process therefore it could lead to a higher premium for your catering van. It's important to be upfront and honest about your business operations to ensure you're adequately covered should an unfortunate incident occur. Remember, the goal of catering van insurance is not just compliance with laws but providing a safety net for your business.
Why Mobilers could be right for you
- Over 20+ years experience working with catering van businesses and insurers
- Access to exclusive products and schemes (not available elsewhere)
- Instant cover available from experienced advisors
- Specialists in catering van insurance
- Instant documentation available
To speak to one of our friendly operatives call
Frequently asked questions
Operating in the food industry is not without risks. Mobile caterers, like any other business, face a myriad of potential risks that could lead to financial loss or even closure of the business. Without proper insurance coverage, incidents could turn out to be financially devastating.
Insurance for mobile caterers isn't just about protecting against liability. It may also covers the costs associated with property damage or loss, which could be particularly high given the value of the cooking equipment and vehicle involved in this type of business. In addition, if a mobile catering vehicle is involved in an accident, the right insurance policy could cover repair or replacement costs.
In conclusion, catering van insurance is not an area where mobile caterers should skimp on. It provides a safety net that helps secure the financial future of the business while also ensuring peace of mind to its owners. After all, in business just as in life, it's always better to be safe than sorry.
Owning a catering van is not just about delivering delicious food, it's also about ensuring your mobile business asset is properly insured. But what if the insurance cost is giving you sleepless nights?
Firstly, shopping around for the best policy is key. Comparing quotes from different insurance providers can help you find the most affordable and suitable coverage for your catering van. Secondly, consider raising your excess. This means you'll pay more out of pocket in case of an accident, but it will significantly reduce your monthly insurance premiums. But remember, only opt for this if you have enough savings to cover the higher excess in case of an accident.
Another effective way is to maintain a clean driving record can also help you save big on your insurance cost. In summary, saving on your catering van insurance doesn't necessarily mean compromising on coverage. It's about being smart with your choices and taking advantage of opportunities to lower costs without sacrificing protection.
Product liability cover is a great addition to your business insurance policies. If someone falls ill with food poisoning or has an allergic reaction to something they ate from your food van, you'll need to have the right cover to protect you from any legal action and the legal expenses involved.
If you aren't sure if we can arrange catering business cover for you, just ask, chances are we can! All you need to do is fill in our online form, it couldn't be easier!
Employers' Liability insurance is a legal requirement if you employ people. It offers protection against claims from employees who have suffered an injury or illness arising out of their employment. The cover available complies with the UK's compulsory employers' liability law.
Employers' liability cover can include:
- The legal fees involved in defending a prosecution under the Health & Safety at Work Act.
- Contingent Motor Liability insurance cover which will indemnify you (rather than your employee) whilst he or she is using his/her own vehicle in connection with your business.
- Consumer Protection Act and Food Safety Act legal defence costs.
Catering public liability insurance cover offers protection for your business against damages and legal costs that arise as a result of claims from any member of the public suffering an injury, disease, or accidental property damage.
Many local authorities and event organisers will require you to have caterers insurance that covers this. It's wise to take out this insurance as a legal claim could be substantial, for example if an injured person is self-employed then they could even claim for lost income.