Venturing out into the mobile catering business can be quite an exciting proposition and the profits involved can be truly rewarding. But before you make your foray into this line of work you want to make sure you safeguard your business with the necessary insurance covers.
Mobile catering insurance can be quite different from that required for similar businesses like restaurants and diners. This is mainly because there is a vehicle involved. Hence you will need to get your trailer, van, pick-up truck or whatever vehicle you use for your catering business, insured against fire and accidental damage. The Insurance requirement will vary according to the type of vehicle being used, the cooking or heating equipment, the method of preparation as well as the overall value of the catering van.
Further you would need public liability and product liability insurance – typical sums insured are 5 million GBP. This secures your business against any cases where in a customer gets injured or hurt in anyway while availing of your services or maybe get sick on consumption of your food.
In addition Employer’s Liability insurance is requrired for as for all businesses in the UK.
It does seem like a long list and a whole lot of money when you have to shell it all out at once, but you don’t have to worry. There are several insurance companies out there who allow you to pay these insurances in installments so it is not so much of a burden. Several companies even offer a package deal for mobile catering insurance and it might be worthwhile to look into these. Some even include trailer breakdown insurance which covers over-heads like towing charges and it is quite advisable to go for that too.
Chances are everything will smoothly in your business but you never know what could go wrong. It is best that as you embark on this new exciting journey of your life you put your mind at ease by availing of mobile catering insurance. Because clichéd as the saying may be, it still rings of truth “Better to be safe than sorry!”