There are a number of features you will need as part of your policy, but there are some that are arguably more important than others. Liability insurance is integral when dealing with members of the public, particularly when serving hot food and drinks. The options available for liability insurance are:
If a member of the public becomes ill or injured as a result of something you have sold from your catering van, you will need to be protected with a policy that includes products liability insurance. This is important for catering van businesses, regardless of what type of food or drink you sell; many people have allergies or aversions they may not initially make you aware of.
This type of liability insurance will pay out legal fees and compensation costs if a third party is injured by your vehicle or your business. This is advisable if you work with suppliers – if someone were to become ill from a burger sold from your van but contaminated from your source and a customer takes legal action, you would be liable without this type of policy.
If you employ anyone to work for your business, whether full-time, part-time or volunteer, you must have employers’ liability insurance by law. If a member of staff injured themselves on cooking equipment, for example, this type of policy will pay medical, legal and compensation costs.