My Account
Unlicensed Catering Insurance
Unlicensed catering insurance is designed for caterers and food businesses that provide food-only catering without selling or supplying alcohol. This can include buffets, private functions, business lunches, market stalls, food vans, pop-ups, weddings, community events and venue catering.
Even without alcohol service, catering businesses still face food safety, customer injury, stock, equipment, staff, transport and event-contract risks that need to be declared clearly to insurers.
What Can Unlicensed Catering Insurance Cover?
- Public liability insurance for guest injury and third-party property damage claims
- Products liability insurance for food poisoning, contamination and allergen-related allegations
- Employers' liability insurance where staff, casual workers or helpers are employed
- Catering equipment, cooking equipment, refrigeration, stock, contents and portable items
- Goods in transit, business interruption, legal expenses, cyber and commercial vehicle cover where required
Typical Unlicensed Catering Risks
- Food contamination, allergen mistakes, incorrect labelling and chilled-stock failure
- Burns, slips, trips, spillages, hot equipment, knives, gas bottles and electrical equipment
- Theft, breakage or damage to portable equipment, serving counters, refrigeration and stock
- Venue, event organiser or contract requirements for public liability and products liability limits
- Transit damage, weather disruption, temporary trading locations and short-notice event changes
Related Hospitality Cover
Unlicensed caterers may also need to compare hospitality insurance, restaurant insurance, cafe insurance, amusement catering insurance and licensed catering insurance if alcohol service is added.