Are You Protected From Your Liability?
Liability insurance for caterers is available at reasonable prices. Policies can cover your legal liability in the event of injury to a client during the course of your work or property damage due to your negligence. While public liability insurance is not compulsory at this moment in time, you should have a policy in place as part of your business plan to cover yourself should anything happen.
Employers liability insurance is legally required if you have any employees, regardless of how often they work.
Who Are The Caterers?
A mobile caterer serves food directly from a vehicle, cart or truck that is designed for the purpose. Mobile catering is common at outdoor events (such as concerts), workplaces, and downtown business districts.
Events range from cheese lunch drop-off to full-service catering at events such as banquets, conventions and weddings.
The catering and hospitality industry includes restaurants, cafeterias, cafés, coffee shops, restaurants, hotels, boarding houses, pubs and bars.
All sorts of take-aways – Indian, Thai, Chinese, traditional fish and chips etcetera…
Types of people employed
Cooks, chefs, waiters, bar staff etc.
Supper Clubs, Underground Restaurants And Other Home Catering Businesses
Supper clubs, underground restaurants and other home catering businesses also need business liability insurance to cover the risk of events such as food poisoning.
Compare Insurance Policies For Caterers, Restaurants, Hotels, Etc.
Keep your life’s work safe no matter what the world throws at you with business insurance. Compare insurance options and choose the best plan to keep you in business.
As with larger businesses, physical damages, lawsuits and liability can all affect a small business. However, small businesses can continue running under these circumstances by keeping a comprehensive insurance policy.
When Do You Need Professional Liability Insurance?
You should consider taking out professional liability insurance if your business offers a professional service to other businesses. It covers you if you are negligent or make a mistake which causes a client’s business to suffer financial loss.
Catering is a flexible and varied business. You may work in a variety of venues. You may occasionally work with different staff and with equipment that is not your own. Wherever you work, you are also always prone to the risks that are inherent to the food service industry. For these reasons, having the right insurance is essential for the protection of your catering business interests.
Compare Public Liability Insurance Quotes
To get best value for money, you should compare the market and get a range of quotes from trusted insurers.
Public liability insurance is designed to cover you in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party’s property. If you were ever put into a situation which made yourself liable to be sued, having the right insurance can give you the cover you need.
Professional liability insurance is usually called professional indemnity insurance. It covers you for the financial consequences of professional mistakes and negligence, and it is often taken by those in professions which offer consultancy services.
Find out how much you could save on liability insurance for your business by comparing policies.
An increasing number of people have now recognized the tremendous benefits of liability insurance and are now electing to purchase insurance as a way of protecting their interests. If you have not yet thought about how you would afford the expenses that might be incurred in the event of someone launching a compensation claim against you, it is certainly time to do so.