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Licensed Catering Insurance
Licensed catering insurance is designed for caterers, mobile bars, event food businesses and hospitality operators that provide food and alcohol at weddings, corporate functions, private parties, outdoor events, venues or temporary licensed premises.
Because licensed catering can combine food safety, alcohol service, public footfall, staff, event contracts, stock, equipment and temporary locations, insurers usually need a clear picture of where and how the business trades.
What Can Licensed Catering Insurance Cover?
- Public liability insurance for guest injury and third-party property damage claims
- Products liability insurance for food poisoning, contamination, allergens and supplied drinks
- Employers' liability insurance where staff, casual workers or event teams are employed
- Stock, catering equipment, bar equipment, marquees, trailers, fixtures and contents
- Business interruption, goods in transit, legal expenses, cyber and commercial vehicle cover where required
Typical Licensed Catering Risks
- Alcohol-related incidents, intoxicated guests, spillages, slips and event crowding
- Food contamination, allergen mistakes, chilled-stock failure and hygiene allegations
- Breakage, theft or damage to portable bars, refrigeration, cooking equipment and stock
- Venue, organiser or local authority requirements for liability limits and licence conditions
- Outdoor work, temporary structures, generators, gas bottles, bad weather and event cancellation
Related Hospitality Cover
Licensed caterers may also need to compare hospitality insurance, licensed premises insurance, mobile bar insurance, restaurant insurance and amusement catering insurance.