What insurance do you need?
If you're running a catering business then it's crucial that you have the right insurance. For a mobile catering business, things are a little different, as you need to consider additional cover such as:
Commercial Vehicle Insurance
Your ordinary car insurance won't cover you for a commercial vehicle, especially if it's also the base for your business. You need specialist commercial vehicle insurance that specifically covers mobile catering vans.
Public Liability Insurance
This is a business essential, as it protects you financially should a member of the public be hurt or fall ill as a result of coming into contact with your business. For mobile catering businesses this can also include injury claims made as a result of a road traffic accident.
Stock Cover
This protects you against financial loss should your stock be damaged, either through fire, accident, or if your refrigeration system fails.
Legal Cover
legal costs can impact on your business' finances, so ensure that you are protected. A few pounds a year could save you thousands in solicitors' fees.
Employer's Liability
If you employ anyone, even if it's only on a sub-contracting or part-time basis, you are legally required to have Employer's Liability insurance. Apart from your vehicle insurance, this is the only type of cover that is a legal obligation, so get the right advice from the experts at Park Insurance to make sure you're complying with the law.
Mobile catering insurance built for your business
At Park Insurance, our experts can provide you with fair, impartial advice and a no-obligation instant quote on your mobile catering insurance package.