Catering Insurance

Essential protection against customer injuries, food poisoning claims, and accidents at various catering venues. Catering public liability coverage addresses the challenges of operating in unfamiliar environments with varying conditions, including customer injuries at events, venue property damage, and accidents involving catering equipment at external locations. This coverage provides protection for liability exposures that change with each catering venue and event type.

Covers claims arising from catered food and beverages that cause illness, injury, or allergic reactions in event attendees. Catering product liability addresses the responsibility for food safety during transport, preparation, and service at external venues with varying facility standards. This protection includes legal defence costs and compensation payments for food poisoning incidents, contamination issues, and allergic reactions that could result from off-site food preparation and service.

Protects catering equipment, portable kitchens, and serving apparatus during transport to and from catering venues. Catering operations require significant equipment movement, and transport incidents can damage expensive catering equipment essential for event service. This coverage includes protection against vehicle accidents, theft during transport, and damage from loading and unloading activities at various venues.

Covers liability for damage to third-party venues, event facilities, and rented equipment used for catering operations. Caterers often work in prestigious venues where accidental damage could result in significant compensation claims. Venue liability provides protection against damage to client premises, rented facilities, and third-party equipment that could otherwise result in substantial out-of-pocket expenses.

Protects against lost income when catered events are cancelled due to venue issues, weather, client circumstances, or other covered events. Catering businesses often depend on scheduled events for revenue, and event cancellations can significantly impact cash flow. Event cancellation coverage helps manage the financial impact of booking disruptions, including coverage for pre-purchased food, labour costs, and lost profit from cancelled events.

Replaces lost income when catering operations are disrupted by covered events such as equipment failure, vehicle breakdown, or kitchen facility damage. Catering business interruption insurance addresses the revenue impact when catering services cannot be provided, including ongoing expenses like employee wages, equipment loans, and facility costs that continue even when catering operations cannot proceed.

Covers loss of food inventory due to refrigeration failure, power outages, contamination, or transport incidents that could render catered food unsuitable for service. Catering operations often involve significant food purchases for specific events, and spoilage can result in both direct losses and inability to fulfil catering commitments. Food spoilage coverage provides protection against these risks and may include emergency food replacement costs.

Protects against claims related to catering advice, menu planning, event coordination, and professional services provided alongside food service. Many caterers provide event planning advice, dietary consultation, and venue coordination services that create professional liability exposures. This coverage addresses claims alleging inadequate professional services, incorrect advice, or failure to meet event specifications and client expectations.