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Why does my mobile catering business need catering trailer insurance?
Running your own catering business and being your own boss is a dream come true for many food entrepreneurs. However, with the rewards come many challenges, as mobile catering is not without risk.
For those who are really serious about mobile catering, one of the most popular vehicles to invest in is a mobile catering trailer. With state-of-the-art cooking equipment on board, lots of kitchen space and excellent manoeuvrability, hitching a mobile catering trailer to your motor could be a great business decision.
However, with a catering trailer as the cornerstone of your business, if it was ever damaged or stolen then your whole business could be under threat if you don't have trailer insurance.
So, whether you're serving up hot food to hungry festival goers or soups and sandwiches to busy corporate clients, you'll want to make sure your catering trailer is insured first.
What insurance do I need for a catering trailer?
Catering trailer cover can come in many different forms, with different levels of benefits. You can choose between either Accidental Damage, Fire and Theft (ADFT) or Accidental Damage and Fire (ADF) which have varying levels of cover.
When comparing policies, there are a few things you’ll want to look out for – not all cover will be provided automatically. Some may need to be added as an optional extra to your trailer insurance, while some might not be available through that particular insurer.
That's why using a company like Mobilers is so vital if you want to get great value business insurance cover.
Common optional extras within catering trailer insurance
There can be a wide variety of valuable optional extras to add to catering trailer insurance depending on what kind of catering business you run. Two of the most popular are:
- Stock Cover – This protects valuable stock from accident and deterioration, for example, if a fridge or freezer breaks down.
- Generator Cover – These expensive items are well worth protecting in case of any problems. That way, you can get back to work as quickly as possible.
These vital pieces of business equipment can often exceed the value of the vehicle itself, so they’re well worth adding if you can. Other types of cover are also well worth considering.
What other types of mobile catering insurance do I need?
Once your trailer is covered, take a look at our other catering insurance products to find out if there are others that might be useful for your catering business.
For example, if someone’s property is damaged or a customer is injured as a result of your business activities, you could be facing a legal claim for compensation. This could hit your reputation as well as your bottom line.
Speak to the team at Mobilers about adding some of the following protection to your policy:
- Public liability insurance – Public liability insurance covers potential compensation claims that can arise from injuries or damage to the public and property caused by the day-to-day activities of your catering business. Most councils and event organisers require you to have public liability insurance before you can trade.
- Employers liability insurance – Employers liability insurance is a legal requirement that all businesses must have to protect their employees. If an employee suffers an injury or illness as a result of their job, then this insurance will provide you with protection.
- Product liability insurance – Product liability insurance covers you and your business against any legal claims of injury or damage, whether you’re involved in the production, sale or delivery of a food product.
What are the most popular ways to use a catering truck?
Catering trucks are becoming an increasingly popular option for businesses wanting to take their food or beverage offerings to the next level.
These mobile food trucks are versatile and can be used in a variety of settings, making them a popular choice for entrepreneurs and established businesses alike.
Some of the most popular uses for catering trailers include:
Food truck festivals
One of the most obvious uses for catering trailers is for food truck festivals. These festivals are becoming increasingly popular across the country, and for good reason.
They offer a fun and unique way for people to sample a variety of different foods in one location. Food trailers are a great way to add variety and excitement to any festival or event.
Catering trailers are also popular for corporate events. They offer a convenient and easy way to provide food and beverages for employees and clients.
Many companies use catering trailers for lunchtime events or as a fun way to celebrate a successful quarter or year. They can also be used as a way to provide refreshments for conferences, meetings, and trade shows.
Weddings are another popular use for catering trailers. They offer a fun and unique way to cater the wedding reception, and can be a great option for couples looking to add a little something extra to their big day.
Food trucks can provide a variety of different foods, from tacos and burgers to ice cream and cupcakes.
Finally, catering vans are a popular choice for sporting events. They offer a convenient way to provide food and drinks for fans, and can be a great way to add to the overall game-day experience. Fans can enjoy a variety of different foods and drinks, from hot dogs and popcorn to beer and cocktails.
Catering vans are a versatile and popular option for businesses and entrepreneurs looking to take their food and beverage offerings to the next level.
Whether it's for a food truck festival, corporate event, wedding, or sporting event, catering vans offer a fun and unique way to provide food and drinks for guests.
How much does catering insurance cost?
Like any insurance, the total cost of a catering trailer insurance policy will depend on a number of different factors. Insurers are likely to want to know information about:
- How long your catering business has been established and your catering experience.
- What type of catering you provide and where you are trading.
- What size of catering event you run.
- The level and type of catering insurance coverage you need.
- How large your business is. Including turnover, how many workers you have and equipment.
- Previous claims history.
- How you wish to pay. For example, direct debit monthly instalments are a popular option among caterers so they can budget more effectively.
Every quote will be different based on the risks involved, so putting an exact figure on it is extremely difficult. The specialists at Mobilers can help you find the right cover for your circumstances.
Mobilers can arrange a tailor-made insurance policy for your Mobile, Static or Portable Catering Trailer or Cabin to suit your requirements.
With two levels of cover available, we can find you cover that suits your needs and your wallet.
Choose from Accidental Damage, Fire and Theft (ADFT) or Accidental Damage and Fire (AD Fire).
Speak to our experienced team today to discuss the right amount of cover for your business.
We can arrange cover for mobile trailers and any permanent fixtures and fittings, including stand-alone items in portable and static cabins.
Cover can be arranged for a variety of converted catering trailers.
*Policy benefits, features and discounts offered may vary between insurance schemes or cover selected and are subject to underwriting criteria
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Frequently asked questions
Do you offer catering van insurance as well as trailer?
We understand how important it is for your business to have right cover, and that's why we offer both catering van insurance and trailer insurance. Our policy is designed to provide you with peace of mind, knowing that you're protected against potential risks. Whether you're serving delicious street food from your catering van or transporting equipment with your trailer, we've got you covered. With our flexible insurance plans, you can focus on what you do best - running your business.
Does my previous claims history impact insurance prices?
Your previous claims history does impact insurance costs. Insurers use your past claims data to predict your future likelihood of filing claims. If you have a history of making frequent claims or have made a substantial claim in the past, providers may view you as a higher risk. This can result in higher premiums. Maintaining a clean claims record could potentially save you a significant amount of money on your insurance costs.
Is my stock covered with catering trailer insurance?
Stock cover is an optional extra which provides coverage for the goods inside of your catering trailer. That means your stock of food, beverages and catering equipment is protected against unforeseen circumstances such as theft, fire or damage.