Catering is a tricky business – you need to make sure that your food is top-notch, your service is impeccable, and you’re always on the lookout for potential hazards or liabilities. One of the most significant ways to reduce your exposure to liabilities in catering is by taking out a suitable insurance policy.
While insurance may seem like an unnecessary expense when starting, it’s vital to protect your business from any potential accidents or disasters. Here are our top tips for getting the most comprehensive catering van insurance coverage for your food business:
1. Make sure you’re covered for all eventualities.
When choosing your catering van insurance policy, ensure that you’re covered for all possible eventualities. Your policy should include public and product liability insurance and insurance for equipment, property, and employees.
2. Get specialist catering insurance.
Not all insurers offer specialist catering Trailer insurance policies – in fact, many only provide general commercial policies that may not suit your needs. So, make sure you shop around and find an insurer who caters explicitly to food businesses.
3. Don’t skimp on liability coverage.
Liability insurance is one of the essential types of coverage for food businesses, as it can help protect you from any lawsuits that may be brought against you. Ensure your policy has a high limit for public and product liability, as this will give you the best protection in the event of an incident.
4. Pay attention to exclusions in your policy.
While it’s essential to have a comprehensive policy, it’s also important to be aware of the exclusions in your catering van insurance policy. It means reading through the small print and ensuring that you’re not inadvertently exposing yourself to any risks.
5. Make sure your equipment is covered.
If you use any special equipment in your catering business – such as a commercial oven or fryer – make sure that your insurance policy covers this. Many policies only cover standard kitchen equipment, so you’ll need to ensure it’s included in your policy if you have any special gear.
6. Get specialist advice
If you’re unsure about anything in your policy or want some specialist advice, don’t hesitate to speak to an insurance specialist. They’ll be able to help you find the right policy for your business and answer any questions you may have.
Insuring your catering van is vital for protecting your business from potential accidents or disasters. Make sure you’re covered for all possible eventualities and pay attention to the exclusions in your policy. If you’re unsure about anything, don’t hesitate to speak to an insurance specialist.
So, whether you’re just starting out in catering, or if you’ve been in the business for a while, make sure you have the right insurance coverage. It may seem like an unnecessary expense, but it can help protect your business from any potential accidents or disasters. Contact Catering Insurance today to find the right policy for your food business!