Outside Caterer


Target Market
Our outside caterer’s product is underwritten by Ascot Syndicate 1414 at Lloyd’s and is suitable for outside caterers, mobile caterers and contract caterers that require public, products and employers’ liability insurance. In addition, the product also provides the option to cover material damage insurance for customer’s portable catering equipment, stock, money, and business interruption insurance.

The product is not suitable for companies and/or individuals that trade from a permanently situated restaurant or takeaway.

Features & Benefits

  • Public & Products liability cover up to £10,000,000
  • Employers Liability cover up to £10,000,000
  • £500 Loss of Money & £500 Loss of Stock cover as standard
  • Event organiser’s schedule included with policy document

  • Unlimited number of employees covered under the Employers Liability section of the policy
  • Money, Stock and equipment (when selected) is covered on an all risks basis anywhere within UK
  • Defence costs for breach or alleged breach of Part II of the Food Safety Act 1990

Optional Extras

  • Increase Public & Products liability up to £10,000,000 at no additional cost when the turnover is under £250,000
  • Portable Catering Equipment. (such as hog roasts, potato ovens and generators)
  • Stock Deterioration Following Refrigeration Breakdown cover
  • Business Interruption Cover
  • Up to 25% Republic of Ireland work subject to UK jurisdiction
  • Increased indemnity limits for money and stock cover