Public Liability Insurance for Catering

Why Caterers need liability insurance

Working with food is always a risky business, but supplying it to all manner of events such as birthday parties, business lunches and weddings is even riskier. Simply storing the food at the incorrect temperature can leave your customers with food poisoning. This is why public liability insurance is essential.

It provides protection from all manner of claims that you could be found liable for, from burns and poisonings to trips and slips. Whether you are an ice-cream vendor using a mobile catering van or a burger and hot dog caterer serving from a fast food trailer, public liability insurance for catering is not compulsory but it is highly important and there to protect you and your business financially.

Common types of claims

• You provide a batch of undercooked chicken drumsticks to a party, causing food poisoning to the guests
• Passing a cup of coffee over to a customer at your catering van, you spill it and it burns their hand
• Opening the hatch on your mobile snack van, you hit a child on the head, causing injury

This cover is optional but Ashburnham recommend that you certainly consider having it. Furthermore, if you have valuable equipment, you may wish to consider tools cover to provide compensation in the event of them being stolen.

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