Premiums from as little as
Insurance for Catering Businesses and Self-Employed Caterers
- Customers typically save 30%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Running a catering business ‒ whether you work alone or run a small firm – can be incredibly rewarding, but also brings risk. Not just risks to your business and its premises, for instance from flood, fire, or break-in, but risks to staff and customers too.
Because we are a broker, we have access to a wide range of flexible policies from leading UK and specialist insurers. We search the market for you and can offer flexible insurance solutions to suit your catering business.
Whether you are a self-employed caterer or run a big catering firm, we can tailor cover to meet your needs. This means you can pick and choose which types of cover you need to protect your catering business.
Speak to our team of catering insurance experts for a free, no obligation quote.
You Could Save Over 30% with us*
List of Covers and Features
Standard**
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Public and product liability.
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Flexible payment options including direct debit.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional**
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Employers Liability.
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Contents insurance.
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Accidental damage.
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Buildings cover.
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Business equipment.
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Embedded breakdown.
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Business front window.
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Goods in transit.
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Legal expenses.
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Loss of licence.
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Loss of rent receivable.
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Money in safe.
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Money on premises.
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Stock.
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Subsidence.
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Tenants improvements.
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Terrorism.
£318
In the last 12 months our customers have paid as little as £289 per annum for catering insurance. That’s just £6 per week!
50% of our catering customers paid less than £1,425 per annum.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 46 policies sold in 2023. 21 customers paid £318 or less, which represents 46%. £6 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Frequently Asked Questions
A
Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements.
A
The cost of your insurance policy depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with different features and prices. We'll find you several possibilities to ensure you have all the information you need before deciding on the best option for you.
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Catering insurance can cover a range of risks and liabilities specific to your business, including public liability insurance, employers liability, business interruption, and buildings and contents insurance in case of burglary, fire, or other incidents.
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This depends on the specific covers you have included in your policy. Generally, commercial general liability insurance, which is commonly included in catering insurance, can provide coverage for such claims.
However, it is important to review your policy carefully to understand the specific terms, conditions, and exclusions related to food poisoning claims. Some policies may have limitations or exclusions for certain types of foodborne illnesses or may require certain conditions to be met for coverage to apply.
It is also worth noting that insurance coverage may vary between different insurance providers and policies. Therefore, it is advisable to consult with a specialist insurance broker to understand the finer details of your policy and to ensure that you have appropriate protection in place for potential food poisoning claims.
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You Could Save Over 30%*