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Catering Van Insurance

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Catering van insurance in the UK is specialized motor insurance designed for vehicles used in mobile catering, covering a van itself, as well as the business`s equipment and liability risks. It typically includes third-party cover, and can be extended to cover fire, theft, and other business-specific risks. 
 
Key aspects of catering van insurance:
  • Vehicle Cover:
    Provides insurance for the catering van, covering damage, theft, and other vehicle-related risks. 
     
  • Equipment Cover:
    Protects the catering equipment, including appliances, utensils, and stock, from damage or loss. 
     
  • Public Liability:
    Covers claims from customers or members of the public who are injured or experience property damage due to the mobile catering operation. 
     
  • Product Liability:
    Protects against claims arising from food poisoning, allergic reactions, or other issues related to the food served. 
     
  • Optional Extras:
    May include cover for employers’ liability, loss of money, and specific needs of the catering business, like frozen goods cover. 
     
Why you need it:
  • Legal Requirement:
    While the specific requirements may vary, having adequate insurance, especially public liability, is crucial for protecting your business from potential legal action. 
     
  • Financial Protection:
    It safeguards your business from financial losses resulting from accidents, theft, or liability claims. 
     
  • Peace of Mind:
    Knowing that your business and assets are covered can provide peace of mind, allowing you to focus on your catering operations