Get quotes for public liability, product liability, equipment and employers' liability insurance for UK street food traders. Cover that meets council and market pitch 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.
Trading from a van, trailer or stall brings risks a fixed-premises food business doesn't face — gas and electrical equipment in a confined space, overnight storage in car parks and fields, and a different set of insurance requirements at every pitch. Insurers and pitch operators both look closely at how you manage these risks.
Any LPG installation used for cooking must be installed and inspected annually by a Gas Safe registered engineer holding the Commercial Catering qualification. Trading without a current certificate can see you turned away from pitches and may invalidate your liability cover if a fire or injury claim follows.
Public liability limits vary by council and market — most ask for £5 million, with £10 million increasingly common at larger or higher-risk pitches. Check the specific requirement for each market or council before you commit to a pitch fee.
Generators, griddles, fridges and lighting used in mobile units should be PAT tested annually. Insurers and event organisers may ask for test records, and uncertified equipment can be a factor in a declined claim.
Vans and trailers left in car parks, fields and storage compounds overnight are a common theft target. Many policies set conditions for unattended equipment — such as alarms, trackers or secure compounds — that must be met for cover to apply in full.
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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