MOBILE CATERING

INSURANCE

No matter what kind of mobile catering you offer - from kebab vans to festival catering trailers - Quotiva can help you find stress-free insurance quotes .

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MOBILE CATERING INSURANCE

We’ve all seen some form of mobile catering van at some point – whether at the match, at a festival, in a lay-by during a day trip or as a food stop after a night out.

For mobile catering owners, insuring your business is an important part of the process. Depending on what type of vehicle you have can potentially affect your mobile catering insurance premium.

Getting Started

After deciding on a foodstuff to cook and a vehicle to sell it from, your first point of call is registering your food business and applying for a permit in the area you wish to base yourself. These can be anything from a permanent pitch in a city centre to spaces at a food festival.

Van Or Trailer?

When it comes to your vehicle of operations, it needs to have everything you need to operate; including cooking and secure storage facilities. With many artisan food providers out there, there are a variety of vehicles to sell your wares from, anything from vans to bikes.

The main difference between the two is how they travel; mobile catering vans will usually have everything in one place – including the facilities to cook, as well as to refrigerate your stock to keep it fresh and hygienic.

In comparison, catering trailers are towed behind another vehicle, and as such will require more careful planning when it comes to setting up at events, including the process of unhitching and hooking up a power source before each use, something which may already be built into the design of a catering van.

The weight of your unit can potentially affect the price of your premium, heavier vehicles will understandably cost more to insure. If you’re looking at starting a mobile catering business, bear in mind that bigger may not always be better for you, we’ve prepared a little guide to the costs of buying a burger van here.

What Is Covered In A Mobile Catering Insurance Policy?

When it comes to insurance, there are three types of liability cover available on these policies, it is important to ensure that you are covered on at least of these:

  • Product Liability Insurance – helps to protect your business against claims made by members of the public who may have fallen ill with food poisoning as a result of consuming food from your van.
  • Public Liability Insurance – helps to protect your business against claims by members of the public who may have sustained accidental injury or property damage as a result of a mistake by your business.
  • Employers’ Liability Insurance – helps to protect your employees against accidental injury or illness sustained while working in one of your vans.
  • Equipment Insurance – helps to protect everything you need to operate your business, including cookers and generators, against loss, theft or damage.

It is also worth looking into some sort of contents cover in order to protect what you keep inside the van – including cooking equipment, grills, fryers and refrigerators – as well as some breakdown cover to get you back on the road as quickly as possible should you break down on the way to an event, for time is money after all.

Official Bodies And Support

Running a food business can be stressful at times, and you’ll want to know that you have some support should you require advice on anything from setting up a mobile food business, maintaining your cooking and refrigeration equipment to helping to arrange some mobile catering insurance.

The Nationwide Caterers Association (NCASS) is an organisation dedicated to providing advice and support to those in the food business, from fixed shops and cafes to more mobile outlets including food trucks.

Offering advice from anything to starting up your business to helping to arrange your mobile catering insurance policy, becoming a member of such an organisation can help your business to flourish.

So whether you own a burger van or milkshake shack, here at Quotiva we use a network of UK brokers to find you the best deal on your mobile catering insurance, just fill out a few details and let us do the searching for you.

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