Have you ever hired a caterer for an event and then had something go wrong? Perhaps the food was terrible, or maybe someone got sick after eating what was served. Whatever the case may be, it’s important to know that things like this happen from time to time, and it’s always best to be prepared.
One way to protect yourself (and your wallet) is to make sure the catering company you’re working with has the proper insurance. This way, if something does happen, you’ll be covered. Here are the main types of catering insurance:
1. General Liability Insurance
This is the most basic type of catering insurance and covers things like property damage and personal injury that might occur during the event. If, for example, a guest slips and falls while at your event, this type of insurance would cover their medical bills.
2. Liquor Liability Insurance
If you’re serving alcohol at your event, it’s important to have this type of insurance in case someone gets injured or damages property while under the influence. For example, if a guest gets into a fight or drives home drunk and gets into an accident, you could be liable.
3. Food Contamination Insurance
This type of insurance protects you in case someone becomes ill after eating the food you served. It’s important to note that most general liability policies exclude food contamination, so this is something you’ll need to purchase separately.
4. Workers’ Compensation Insurance
If you’re hiring employees to help with your event, this type of insurance is a must. It will cover their medical bills in case they’re injured on the job.
5. Vehicle Insurance
If you’re using a catering truck or van to transport food and supplies, you’ll need to have this type of insurance in case of an accident.
6. Event Cancellation Insurance
Sometimes, events have to cancel due to unforeseen circumstances (e.g., bad weather).
If this happens, you could lose a lot of money if you’re not insured. This type of insurance will reimburse you for any non-refundable expenses, such as venue rental fees and deposits.
As you can see, there are a variety of different types of catering insurance available. The best way to determine which ones you need is to speak with your caterer and/or event planner. They will be able to advise you on the best course of action.
Advice from UK’s Top Insurance Broker
We at Catering Insurance understand the concerns you may have about your business and its potential risks. We also know that no two catering businesses are the same, which is why we offer a bespoke service, tailoring each policy to your specific requirements.
To find out more about our services, or to get a quote, please contact us today and we promise to help you secure your food business without being heavy on the pocket.
As you can see, there are a variety of different types of Catering Van Insurance available. The best way to determine which ones you need is to speak with your caterer and/or event planner. They will be able to advise you on the best course of action.
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