Catering Van Insurance
Catering van insurance is a specialised type of business insurance providing cover for the various risks associated with operating a catering van business. This includes potential liability risks, potential damages to the vehicle and equipment inside it.
Comprehensive Catering Van Insurance for Businesses
As the owner of a catering van business, you’ll be fully aware that without your van, your equipment, and stock, your business cannot operate. However, being in direct contact with the public also comes with its own set of risks. Without the correct food van insurance, unexpected events could leave you significantly out of pocket and even leave your business unable to trade for long periods.
You will need to consider risks such as a customer suffering an injury in connection with your business or becoming ill as a result of consuming your products, and other considerations such as your stock, equipment, or vehicle being damaged by fire, accidents, or being stolen. In addition, you should also be covered in the event of employees being injured whilst working for you.
It is crucial to seek independent advice to make sure you get the correct food delivery insurance to suit the way your business operates. Alexander Swan will work together with you so that we can build a tailored, all-encompassing catering van insurance policy to perfectly match the size of your business and the risks it is exposed to.
Do I Need Catering Van Insurance?
Food van and catering van businesses definitely need insurance to operate. Ensuring the vehicle itself is a legal requirement, as is an employer’s liability insurance if you employ any staff. There are other considerations for protecting your business should the worst happen, such as customers getting sick, being injured, or their property being damaged in connection with your business.
What’s Included in Food Van Insurance?
If you run a catering van or food van business, there are a number of important areas that a food van insurance policy should look to cover. These include:
- Employers’ Liability: If you employ staff, employer’s liability is a legal requirement to protect against injuries caused to an employee whilst working.
- Public and Product Liability: Public liability and product liability are essential to protect you against potential claims from the public in case they are injured, get sick, or their property is damaged in connection with your business, whether that be a customer, supplier, or a passerby.
- Vehicle Insurance: Catering van businesses wouldn’t be able to operate without a vehicle, so it is important to protect against damage or theft of the vehicle itself. If your car is modified to accommodate refrigeration units or cooking equipment, then you will need specialist modified vehicle insurance to suit your needs.
- Business Interruption: This coverage provides compensation for lost income if your business is unable to operate due to unexpected events.
In addition, further cover is available for:
- Theft/damage to contents, equipment, electronics, stock
- Legal expenses coverage protects you against any costs of legal disputes
A Smoother Insurance Experience
Unlike dealing directly with an insurance company, Alexander Swan has access to multiple insurers and their diverse policies. This broad reach allows us to present you with a range of options, increasing the likelihood of finding the most competitive rates and comprehensive coverage.
In summary, using Alexander Swan to help you create your own personalised business insurance package provides assurance, confidence, and a smoother insurance experience.
Catering Van Insurance FAQs
Important considerations when sourcing food van insurance include employers’ liability, public liability, product liability, business interruption, theft/damage to contents, equipment, electronics, stock, legal expenses cover, and insurance for the food van itself.
The cost of insurance for a catering van will be entirely dependent on a number of factors, such as the size, location, the product(s) being sold, the volume and value of any stock, and the number of employees you have. The best way to find out the cost of catering van insurance policy is to come directly to a broker like Alexander Swan.
Insuring your catering business against potentially huge financial losses due to claims from the public or customers is crucial. If you employ staff, employer’s liability insurance is a legal requirement. You may also need to consider cover for any vehicles, premises, theft/damage to contents, equipment, electronics, stock and legal expenses.