What burger van insurance do you need?
Specialist vehicle insurance
Ordinary van insurance won't cover burger vans, because of the nature of the vehicle (flammable gas bottles on board, cooking equipment, etc). So it's essential that you get the right type of vehicle insurance that is specifically designed for catering vehicles. Driving on the road without insurance is illegal and could cost you your licence and a hefty fine. (Make sure your licence has the correct category entitlement too, especially if your catering vehicle falls into the HGV category.)
Trailer insurance
If your catering vehicle is a towed trailer, then you will need to look for specific insurance that covers towed catering trucks. Third Party Towing Liability Insurance protects you against the financial cost of any damage you may cause to property or members of the public while towing a catering trailer, both on the road and on private land.
Public liability insurance
Although not compulsory, at Park Insurance we strongly advise all catering businesses to take out the best Public Liability cover they can afford. This gives you financial protection against legal costs and injury compensation claims should someone be injured as a direct result of being in contact with your business (that can also include road traffic accidents).
Other types of cover you should consider in your burger van insurance package include:
Stock cover
To protect against the cost of replacing perishable goods in the event of refrigeration failure
Business interruption insurance
To keep an income flowing in if your business is out of action for any time due to events such as fire, flood or theft of your catering vehicle.
Money protection
To cover the cost of any financial losses through theft of cash.
Legal protection
To cover you against legal costs
Employer's Liability Cover
A legal requirement if you employ anyone to work with you on your burger van, even if it's only part-time.