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Public Liability Insurance

If you inadvertently damage someone’s property or injure a member of the public, you are covered by public liability insurance. For example, a guest slips on spilt sauce at a wedding you’re catering to and hurts their back.

This insurance also protects you if a consumer or member of the public gets sick or is hurt as a result of a product you provided. For instance, if a cupcake you offer at an event makes someone ill or becomes the cause of food poisoning.

In this case, it will provide coverage for the following:

• Compensation for medical bills
• Legal Representation in case this goes to court
• Penalty or fine

Employers’ Liability Insurance

If one of your employees gets sick or hurts themselves while working for you, it will cover you. It is legally required to obtain coverage if you are a limited company with one or more workers.

If your employees are members of your immediate family, you are not legally required to have employers’ liability insurance. However, if you have a policy in place, it will still cover your close family members who work for you.

For instance, a chef suffers severe burns when a pan of hot oil spills in the kitchen. They require medical treatment and time off work. They sue you for unsafe working conditions. If you have this insurance in place, it will cover the following:

• Medical Expenses
• Income Loss
• Legal Fees
• Compensation Payouts

Product Liability Insurance

If someone becomes ill because of a product you sold, you can receive coverage for the medical bills. For instance, if they consume the food you’ve given them and then get food poisoning, it will provide cover in the following cases:

1. At a wedding, a catering firm serves seafood. But it was not properly stored. Several guests get food poisoning.
2. An allergic reaction occurs when a customer with a nut allergy buys a “nut-free” dessert. But cross-contamination occurs in the kitchen.
3. A client is hurt when they discover shards of glass or plastic in their prepared food.
4. When a batch of pre-packaged meals is sold for a business function. The food deteriorates because of a refrigeration malfunction, causing food poisoning.
5. Bottled juices are sold by a catering company. However, bacterial contamination results from a packaging flaw.

In these scenarios, insurance will cover any medical or legal costs that might occur. But you need to follow health protocols.

Contents Insurance

Utilise content coverage to safeguard your specialised kitchen tools, including chef’s knives and food processors. You can choose to cover items located on your commercial premises as well as those stored at home. For example, you may need to provide serving pots and heating equipment. This may also encompass any china and cutlery you offer to guests when hosting a buffet at a client’s site.

Insurance will pay for the replacement of your equipment if it is stolen or damaged by an insured event. It can protect valuable kitchen equipment and appliances against theft, fire, or damage.

Additionally, you can insure the necessary electrical equipment for your business, such as your smartphone, work laptop, or even a till.

Like a staff member drops and damages costly food processors and heat lamps. It happens while bringing catering supplies to a business function. The policy assists with replacement or repair expenses.

Stock Cover

You’ll need to move quickly to finish the work if you have a large gathering to cater to. The food in your refrigerator is destroyed due to a power outage. We can replace food produce that has gone bad or been stolen thanks to stock insurance.

It can cover the food you’ve made in addition to your ingredients. This covers the food that is kept in your kitchen, transported to the location, and consumed there. For instance, your consumer will demand a refund if your food is delivered by a third party and is damaged along the journey. We can replace the money you lost.

Commercial Property Insurance

Buildings insurance will help you get back up and running by paying for the costs of restoring any damage caused by an insured event, such as a fire or flood, at your place of employment.

You should also think about if you own the space where your catering business is located. This includes the price of replacing or repairing the building as well as any long-term fixtures and equipment in the bathroom and kitchen.

Standard equipment breakdown coverage is provided for objects that are a part of the structure. As long as the damage is not the result of normal wear and tear, this would cover the expense of replacing or repairing items like your broken boiler and fire/burglar alarms.

Business Interruption

You may work from home, an office, your shop, a client’s location, or a shared workspace, depending on the kind of business you operate. If an insured incident, such as a fire or flood, renders your working space uninhabitable, business interruption insurance will pay for your relocation expenses while the problem is resolved. If you have insurance with us for your business property or premises, it can also cover any lost turnover during this period.

We will compensate you for the loss of business you will incur if your primary supplier or client sustains property damage that prevents them from conducting business. Additionally, we will reimburse you for the lost turnover during the time you are unable to trade at a market or fair that you frequently visit due to a fire. Additionally, business interruption insurance will protect you if essential business equipment, such as a laptop, is stolen or damaged and cannot be traded.

Legal Expenses Cover

Legal protection insurance could assist you in paying for costs if you fire an employee and they sue you in an employment tribunal.

The costs of hiring specialised lawyers and addressing numerous frequent legal issues, such as disagreements with clients or suppliers, are covered by this. Legal expenses coverage can only be used if there is at least a 51% chance that the claim will succeed.

It can cover the following matters:

• A chef who consistently arrives late and performs poorly is fired. They sue the catering company for wrongful termination.
• For an event, a catering firm requests fine fish, but the supplier delivers subpar goods. A legal disagreement results from the supplier’s refusal to issue a refund.
• The customer is threatening legal action after claiming that the food provided at an event made several guests sick.
• When a catering company reserves a space for an event, the space abruptly cancels, resulting in losses. The caterer is suing for contract violations.
• A former employee accuses the company of unfair treatment and files a lawsuit for workplace discrimination.