Get quotes for public liability, product liability, equipment and employers' liability insurance for UK mobile caterers. Cover that protects your trailer and kit, not just your vehicle — 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.
A mobile catering business is unusual in carrying two distinct risks at once — a vehicle on the road and a working kitchen that's towed, parked and left unattended between jobs. Standard motor insurance was never designed to cover both.
Standard vehicle insurance covers the vehicle and third-party road risks — it does not cover a towed trailer, the equipment fitted inside it, or your stock. Confirm separately whether your trailer is covered both while attached and while detached and parked, since that's where most theft happens.
Trailers and vans left in fields, car parks and storage compounds overnight are a common theft target. Many insurers set minimum security conditions — such as a wheel clamp, hitch lock, alarm or tracker depending on the trailer's value — that must be met for theft cover to apply in full.
Most event organisers, councils and market operators won't grant a pitch without proof of public liability cover, typically a minimum of £5 million, rising to £10 million for larger festivals and council-run events. Check the requirement for each booking before you commit.
Many mobile caterers scale up with casual or seasonal help during busy periods. Employers' liability is a legal requirement the moment you take on anyone to assist, even for a single event, and insurers expect this to be disclosed when you take out cover.
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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