Caterers Insurance

Get a Quote

"*" indicates required fields

Business Insurance for a Catering Company*

Caterers need business insurance, including public liability insurance, as caterers work with members of the public, vehicles, and food – that can spoil, so there are frequent accidentsin catering.

Public liability insurance may protect catering company owners against damages from claims if customers hurt themselves as a result of your catering business activities or from claims of food poisoning against them.

Catering company owners also face risks in relation to the commercial premises they operate from, theft or spoilage of their food stock, equipment breakdown, transit, and commercial motor.

Fortunately, suitable business insurance for caterers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your catering company business activities.

Caterers’ business insurance, including product and public liability insurance, may cover property damage, injuries to third parties that are caused by your catering company business activities.

By ‘packaging’ their business insurance into a ‘business pack’ caterers can potentially cover many of the risks their business faces in the one policy.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Caterer?*

Some of the major types of business insurance covers available to caterers in Australia are explained below and include:

  • Business Insurance Pack
  • Public Liability Insurance
  • Commercial Motor insurance
  • Plant and Equipment Insurance
  • Cyber Insurance

Business insurance pack for caterers*

Caterers may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ their business insurance into a ‘business pack’ caterers can potentially cover many of the risks their business faces in the one policy.

For example, if a catering business has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for caterers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for caterers with a business insurance pack are General Property, Fire and Perils, Contents, Machinery Breakdown, Plant and Stock, Theft, Glass, Money, Business Interruption and Marine Cover.

For example, food spoilage may be covered in the event of machinery breakdown, and loss of profits may be covered under business interruption if caused by a defined event.

Coverage under a business insurance pack for caterers varies depending on the cover options caterers select.

Loss or Damage to food or alcohol stock for caterers

A major storm, power outage or even small fire could leave your catering company with costly damaged or worthless stock of food.

Similarly, food or alcohol may be stolen .

Help reduce the loss or damage to food or alcohol stock by taking the stock and theft cover options as part of your combined business insurance pack.

Smart Business Insurance pro tip: What is the most amount of food and alcohol you stock at any one time? Cover this amount. It’s often at peak times business that major accidents occur.

Contact a Smart Business Insurance broker for more information.

Commercial motor and fleet insurance for self-employed caterers*

Commercial motor and fleet  insurance should be considered for caterers that drive their vehicle for transportation of food, drinks and catering equipment and accessories. Light trucks, vans, trailers and Utes may be covered.

Plant & Equipment Insurance for caterers *

Plant & Equipment Insurance may provide cover for owners of caterers that operate equipment such as fridges, ovens, food processors, food preparation counters and cutting boards, mixers and slicers.

Cover may provide caterers with protection for theft, damage, consequential loss, liability, and machinery breakdown.

Cyber Insurance for caterers *

Your catering company networked computers system are a target for hackers, as is your online store if you have one.

If you are hacked and incur a data breach you may incur significant tech bills, be open to be sued by frustrated customers, and may be subject to thousands of dollars in government fines.

Help reduce the impact of damages from data hacking with cyber insurance – and keep your catering company going.

Why do caterer need product and public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed caterers.

In Australia, public liability insurance also typically includes product liability insurance.

People and property on site may be hurt or damaged due to accidents involving your catering company business activities.

Protections offered to self-employed caterers by public liability insurance in Australia generally include:

  • Injury to other persons due to your catering company activities –Where a caterer business activity causes harm to a third-party person. For example, a client is injured when they trip and fall at event you are catering.
  • Damage to others property due to your catering company activities – Where a caterer business activity causes damages to a third- party’s property. For example,your catering company team member accidently reverse your catering trailer into a client building damaging that building.
  • Harm to other persons or other persons property due to your catering company business’s products – Where a caterer business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, foo your catering company has supplied is spoiled and causes a guest to fall badly ill.

Public liability insurance coverage may protect caterers from claims that arise when others allege they are negligent.

A caterer’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide caterer with protection for slip-and-trip accidents, serious illness caused by food eaten by your clients and their guests.

Want your QUESTIONS on Business Insurance ANSWERED?
Get in touch. *

Get a Quote

"*" indicates required fields

What are the costs of Catering company Business Insurance?*

How much does business insurance, including public and products liability insurance, cost for caterers?*
Key factors in determining how much business insurance, including public and products liability insurance will cost a caterer include:

  • where your business premises are located
  • the value of the property insured
  • the level of security and fire protection
  • age of premises and equipment
  • the size and turnover of your catering company
    number of staff
  • the optional covers selected
  • your claims history
  • the level of cover selected ( for example, $5 million , $10 million or $20 million liability )

Our helpful business insurance brokers may be able to help you find suitable and affordable business insurance for your catering company on 1300 542 573

Different types of caterers that require insurance*

  • Mobile Caterers – mobile van or truck supplying take-away.
  • Outside caterers – often mobile , fairs and carnivals.
  • Industrial – Catering for schools, hospitals etc.
  • Business – Catering for business. Often combined with a retail facility.

Why should caterers use an insurance broker in Australia?*

If you are a caterer deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the catering company owner.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.
Brokers can help caterers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a caterers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable business insurance quotes for your catering company.