Catering Van Insurance
Are you a mobile caterer in need of van insurance? This is something that Insurance1 can help you with. Just acquiring standard van insurance won’t cut it as you will need an insurance policy which specifically covers your catering business from everyday trading risks. Not only is this a legal requirement, but your business is your livelihood so you should want to make sure it is protected.
If you do drive a van for catering you are going to want to make sure that all the fixtures and fittings are covered as well as the vehicle itself. These fixtures and fittings could consist of various different things, for example if you own a burger van you will need cover for your grills and hobs, or if you own an ice cream van you will want to make sure your fridge and freezers are covered. There is a wide range of different mobile catering businesses, and Insurance1 can help find the right cover for you.
Levels of cover
While there are many differences between catering van insurance and standard van insurance, one thing that is the same is the levels of cover available;
Comprehensive
This is the highest level of cover you can get for catering van insurance. You will be covered for injury to yourself or damage to your vehicle, even if it was a fault accident. You will also be covered against third party risks, and fire or theft to your vehicle.
Third party, fire and theft
This gives you third party cover as well as insuring you against fire damage and theft or your vehicle. There may be a greater fire risk to the vehicle if it is installed with cooking equipment.
Third party only
This is legally the minimum level of cover you need to be able to drive your catering vehicle on the road. You will be covered for any damage you may cause to a third party, their vehicle or their property. It may surprise you that third party only is not always the cheapest level of cover, so it is always worth checking prices for all three levels. What’s more, if you are working at events, some companies may require you to have a higher level of cover for your catering van.
Your catering insurance may include
- Employers liability
- Public product liability
- Mobile catering van cover
- Fire cover
- Replacement vehicle
- Towing insurance
- Business interruption
- Loss of stock insurance, which included frozen foods.
- Legal insurance
- Personal accident.