Public liability and equipment cover built for caterers, whether you cook on-site, off-site, or both.
Public liability and equipment cover built for caterers, whether you cook on-site, off-site, or both.
Venues you don’t ownEquipment in transitAllergen claims
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Catering insurance is a combination of covers built around cooking and serving food away from a fixed restaurant, public liability for injury or damage, product liability for the food you serve, and cover for equipment you transport to events.
Whether you cook on-site at a client’s venue or prepare food off-site and deliver it, the risks are different from a restaurant with customers walking through the door.
The right catering cover depends on:
On-site or off-site cookingFixed kitchen premisesEvent and venue contractsUse of gas or open flameNumber of events per yearNumber of staff
Cover built for how caterers actually work
Cover built for how caterers actually work
Most caterers combine public liability, product liability and employers’ liability, then add equipment or personal accident cover depending on how and where they work.
Most caterers combine public liability, product liability and employers’ liability, then add equipment or personal accident cover depending on how and where they work.
Public Liability
Covers claims if your work injures someone or damages a venue.
Product Liability
Covers claims if food you’ve served causes illness or a reaction.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Equipment in Transit
Covers cooking equipment while it’s being transported to events.
Business Interruption
Helps with lost income if an insured event stops you trading.
Personal Accident
Covers loss of income if an injury stops you working.
Getting your catering cover right
Getting your catering cover right
Getting the right catering cover starts with an honest look at your events, equipment and kitchen setup, then reviewing it as your business grows.
Getting the right catering cover starts with an honest look at your events, equipment and kitchen setup, then reviewing it as your business grows.
Review your events
Think about the venues and event types you cater for most.
Review your equipment
Consider what you transport, and what it’s worth.
Review your kitchen
If you have fixed premises, factor that in too.
Review your contracts
Check what venues and clients require of you.
Review regularly
Revisit your cover as your event calendar changes.
Every catering business works differently
Every catering business works differently
Cover depends on whether you cook on-site, deliver prepared food, or run events at venues you don’t control.
Cover depends on whether you cook on-site, deliver prepared food, or run events at venues you don’t control.
How to get catering insurance
How to get catering insurance
Getting catering insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting catering insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your business
How and where you cater, and how often.
Choose your covers
Public liability, product liability and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Catering insurance guides
Catering insurance guides
Cooking at venues you don’t control, transporting food and allergen duties.
Cooking at venues you don’t control, transporting food and allergen duties.
Do You Need Caterers Insurance for One-Off Events?
Running a catering business or working at one-off events means taking on risks. Whether preparing food at a private party, wedding, market stall, or pop-up kitchen, things can go wrong. Accidents, injuries, or property damage can happen at any time.
Top 5 Catering Insurance Claims: UK Street Food and Event Caterers
Running a catering business comes with risks. From food vans to event catering, accidents and mistakes can happen. Having the right catering insurance in place helps protect your business if a claim arises.
Public Liability vs Product Liability: Which Does Your Catering Business Need?
Running a catering business means dealing with food, people, and events. That also means things can go wrong. Knowing the difference between public liability insurance and product liability insurance can help protect your business from costly problems.
Catering insurance FAQs
Catering insurance FAQs
Straight answers on cover, events, equipment and cost.
Straight answers on cover, events, equipment and cost.
Catering insurance is a combination of covers built around cooking and serving food away from a fixed restaurant: public liability for injury or damage, product liability for the food you serve, and cover for equipment you transport.
Still have questions?
Our advisers are here to help you find the right solution.
