Mobile Caterers Insurance
*Please note, this policy does not cover restaurant owners and operators
As a Caterer, your career will have you pulled into many areas. From weddings to children’s parties, at times it can be a wild ride. Nevertheless, your clients always expect the best from you in contributing to their big day.
From quality produce and a knockout menu to the element of layout and design, a lot goes into keeping your client happy. Insuring your business with a Public and Products Liability policy is a way to protect yourself if something unforeseen was to happen. That could result in your client or another third party bringing a claim against you. Being mobile, there are many risks that could occur in any element of your business.
What could go wrong?
The risk that a client or any member of the public can suffer food poisoning from either food you have prepared yourself or arranged to have is very real. No matter how careful you are, this can still happen. So, it is important you protect yourself. Moreover, you could potentially cause property damage and injury in the course of delivering the food, or picking up supplies. Being mobile, there are endless situations that this could occur.
Why do I need Caterers Insurance?
Legal costs can add up very quickly. When a customer engages you to provide a service, they expect nothing but the best. Human error does happen. The last thing you need is to worry about losing your livelihood in the event a customer brings a claim against you for loss or damages. Without Insurance, you’re at risk of losing everything from just one claim.
Our cover includes Public and Products Liability so you can rest assured knowing you have the right cover in place for your business.
Automatic Extensions covered under Caterers Insurance
This policy provides the following features
Don't let Insurance be the last thing you think about when operating your mobile business.
Implications of Cancelling your Product Liability OR Professional Indemnity Insurance Policy
Product Liability is an occurrence-based wording. This means, the insurance needs to be in place at the time the incident/injury/damage occurred for there to be a valid claim. Professional Indemnity Insurance is a Claims Made wording. This means an insurance policy needs to be in place at the time you provide the service and at the time of the claim and/or incident in order for your interest to be protected.
If you cancel your insurance today and an incident is notified and/or occurs tomorrow for a product or service you provided last week, you will not be covered. Read more on this here.