Chef preparing food in a kitchen


Catering Insurance

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Just like the art of crafting a delectable dish requires precision and attention to detail, ensuring your business is protected from risk demands meticulous planning.

That's where we step in – at Premierline we offer catering insurance solutions that can be tailored for your business needs. As a business insurance broker, we can source comprehensive coverage that is crafted to the diverse spectrum of risks that the catering landscape presents, ensuring you can focus on fostering success while we handle the protection.

Whether you’re a mobile caterer, running a food van or renting a kitchen, we’re here to find the right cover for your livelihood. If you don't need advice, you can get a quote online in a matter of minutes or if you're unsure what business insurance cover you need and would like some advice, speak to our expert advisors for professional insurance recommendations that are tailored to you.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Catering insurance is a tailored business insurance package designed to meet the unique needs and risks faced by catering businesses. It provides comprehensive coverage that addresses the specific challenges and liabilities associated with the catering industry. Catering insurance typically includes various types of coverage, such as public liability insurance, employers' liability insurance, commercial property insurance, and commercial vehicle insurance. It offers financial protection against potential accidents, property damage, food-related incidents, employee injuries, legal disputes, and other unforeseen events that can occur in the course of catering operations. Having catering insurance ensures that businesses in the catering industry are adequately protected and can operate with confidence knowing that they have coverage for potential risks and liabilities.
When deciding what insurance and covers you need to protect your business, you should consider the following:
It is generally recommended for catering businesses to have catering insurance to protect themselves from potential risks and liabilities. The catering industry involves various activities and interactions with customers, employees, and third parties, which can give rise to accidents, property damage, food-related incidents, or legal disputes. Catering insurance provides financial protection and peace of mind by covering these risks and potential liabilities.

At Premierline, we offer flexible catering insurance covers that can be as simple or comprehensive as you like depending on your catering business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:

  • Public liability – for injured guests or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your building.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.

The cost of insurance for a catering business will depend on several factors, including the size and scale of your business, as well as the locations you operate in, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.

It is difficult to estimate the overall price of insurance for a catering business without taking all of these these factors into consideration. Get in touch with our experienced team for a tailored quote.

We understand the time constraints that come alongside running your own hospitality business, and finding time to source the right insurance can be difficult. That’s why our team is on hand to make arranging your business insurance simple and hassle-free. Our experts are able to provide an advised service over the phone and can help find the right insurance for you in a timely manner.

We can arrange catering insurance to cover a number of eventualities that could impact your business financially. We understand the risks associated with your trade and can help you arrange protection against many unforeseen events.

Whatever your catering insurance or mobile catering insurance needs we can arrange the right cover for your business, at the right price. We understand the risks you face on a daily basis, and as careful as you may be, accidents do happen. Speak to our business insurance advisors today to get peace of mind and the right insurance for your business.

If you are a caterer operating from a café, coffee shop or other fixed premises, you may also be interested in our other dedicated products.

If you are looking for mobile catering van insurance we may be able to help you find the cover you need. However, vehicles such as mobile catering vehicles such as catering vans, catering trailers, ice cream vans, coffee carts and mobile bars are often unique and are highly bespoke requiring specialist insurance solutions. Request a quote today and our experts will be in touch to discuss your requirements and provide recommendations.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Excellent customer service. Friendly, relaxed manner whilst very professional. The two team members I spoke to were friendly and clear. They were both very professional and very efficient and my insurance was sorted swiftly.”
Catering Business Owner
Customer since January 2024
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
If you know the type of insurance you need you can protect your business instantly by getting an instant quote online. However, if you’re looking for guidance from an insurance professional then call and speak to our business insurance advisors now.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm