Get quotes for public liability, product liability, equipment and employers' liability insurance for UK food trucks. Cover that meets festival and event organiser requirements — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Food trucks combine the highest fire risk in mobile catering — deep fryers and LPG in a confined space — with a business model built around festivals and events that each set their own insurance bar. Insurers and organisers both look closely at how you manage these risks.
The Regulatory Reform (Fire Safety) Order 2005 requires a documented fire risk assessment covering propane storage, deep fryer fire risk, extinguisher provision and escape routes. Insurers may ask for this when assessing a fire-related claim.
Annual CP44 gas safety certification from a Gas Safe registered engineer is the recognised standard for mobile catering LPG installations. An expired certificate can see you turned away at events and may affect a fire or injury claim.
Public liability requirements vary by event, with most asking for £5 million and major festivals or city-centre pitches increasingly requiring £10 million. Confirm the requirement before committing to a booking fee.
If your truck and any towed trailer have a combined weight over 3.5 tonnes, a tachograph is generally required. Operating without one when required can invalidate your insurance — check whether your specific conversion qualifies for an exemption.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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