Home Food Business Insurance

We're Here to Help with Your Insurance for Your Home Food Business

A love of cooking or baking, a passion for running your own business, and the right environment for food preparation are the perfect ingredients for running a home food catering business.
Operating a food business from home can be convenient and incredibly rewarding. But it also presents risks to you, your home, employees (if you employ staff) and your customers.
Protecting your business with the right insurance will help give you peace of mind, allowing you to get on with what you do best—creating delicious culinary delights for customers.

How our Home Food Business Insurance Experts can Help

Here at smei, we can arrange cover that protects your home catering business. We have a panel of carefully selected leading UK insurers that offer home food business insurance policies that can be adapted to suit your needs.

Our experienced advisers will work with you to understand your business and determine the protection you need to protect your livelihood at a price that makes sense.
We're here to arrange insurance that covers your risks, including product and public liability, employers liability, buildings, contents, and stock. You'll also be covered for compensation claims and any associated legal costs defending your claim.

You Could Save Over 30%*

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What can Insurance for Home Food Businesses Cover?

Public and product liability—if someone is injured or property damaged due to your business.

Employers liability—if you employ staff who become ill or injured when working for you. This insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.

Contents insurance—covers your essential equipment such as fridges, food storage or display units and cooking apparatus from accidental damage, including fire, floods or theft.

Stock insurance—protection if your fridge breaks or a flood destroys your food. Your stock will also be covered while in transit.*

Business interruption—protects your income if you're faced with a situation that prevents you from preparing your dishes, for example, if your cooker breaks down, or your premises are flooded.

Accidental damage.
Book debts/account receivable.
Buildings cover.
Business equipment.
Deterioration of stock.
Embedded breakdown.
Glass.
Goods in transit.
Legal expenses.
Loss of license.
Money in a safe.
Money on-premises.
Portable equipment.
Specified stock (wines, spirits).
Subsidence.
Terrorism.

*Unfortunately, at this time, we cannot offer insurance quotations for food deliveries.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Home Food Business Frequently Asked Questions

The cost of insurance for home food businesses depends on individual needs. Our small food insurance policies are flexible and can be adapted to fit your requirements. Whether you run a 'one-person operation' or a small catering firm, we can match you with the right policy at the right price.

As a business providing food to the public, you'll adhere to the relevant health, safety, and food production measures, but things can still go wrong. You need public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Home food business liability insurance isn't a legal requirement. Still, it can cover the costs of any compensation due and legal fees associated with claims.