There are many types of mobile catering businesses, from food trucks to ice cream vans. If you’re thinking of starting a mobile catering business, or if you already have one, you’ll need to make sure you’re properly insured.
Mobile catering insurance is similar to regular business insurance, but there are a few key differences to keep in mind.
Here are seven factors to consider when choosing mobile catering insurance:
1. Location
Where will your mobile catering business be operating? This is an important factor to consider when choosing insurance, as different locations will have different risks.
For example, if you’re going to be operating in a busy city center, you’ll need to consider the risks of theft and vandalism.
If you’re going to be operating in a rural area, you’ll need to consider the risks of adverse weather conditions.
2. The type of mobile catering business
What kind of mobile catering business do you run? This will affect the types of insurance you need.
For example, if you run a food truck, you’ll need to make sure you’re insured for vehicle damage and liability.
If you run an ice cream van, you’ll need to make sure you’re insured for product liability.
3. The size of your mobile catering business
How big is your mobile catering business? This will affect the types and amount of insurance you need.
For example, if you have a large fleet of catering vehicles, you’ll need to make sure they’re all insured.
If you only have a small number of employees, you may not need employer’s liability insurance.
4. The value of your mobile catering equipment
How much is your mobile catering equipment worth? This will affect the amount of insurance you need.
For example, if you have a lot of expensive catering equipment, you’ll need to make sure it’s all insured for the full value.
If you only have a small amount of equipment, you may not need as much insurance.
5. The type of events you cater for
What kind of events do you cater for? This will affect the types of insurance you need.
For example, if you have a burger van insurance, you’ll need to make sure you’re insured for public liability.
If you cater for corporate events, you’ll need to make sure you’re insured for equipment damage.
6. The food you serve
What kind of food do you serve? This will affect the types of insurance you need.
For example, if you serve hot food, you’ll need to make sure you’re insured for liability in case of food poisoning.
If you serve alcohol, you’ll need to make sure you’re insured for liability in case of drunkenness.
7. Your employees
Do you have any employees? This will affect the types of insurance you need.
For example, if you have employees, you’ll need to make sure you’re insured for the employer’s liability.
If you don’t have any employees, you won’t need this type of insurance.
These are just a few of the factors you need to consider when choosing mobile catering insurance.
Make sure you talk to an insurance broker like Catering Insurance to get the right cover for your business.
