Protecting your food business with liability insurance

In addition to either insurance policies for mobile catering businesses or fixed catering and restaurant insurance covers, there are also 3 types of liability insurance:

• public liability
• product liability
• employers’ liability 

Remember, any insurer who doesn’t recommend that you insure your business under all 3 types of policy does not have your best interest at heart.

Public Liability Insurance

Protection against claims if the public get hurt because of your business

We’ll cover you for £5 million

Product Liability Insurance

Cover against claims from anyone who gets hurt because of your product

We’ll cover you for £5 million

Employers’ Liability Insurance

Protection should any employees or contractors get injured working for you

We’ll cover you for £10 million

What do NCASS catering liability insurance policies cover?

Our policies are designed to insure a wide range of catering businesses – whether mobile or trade in one place and whatever your food type. With these catering liability insurance policies, you can be covered for

• Public Liability/Products Liability of either £5,000,000 or £10,000,000
  Cover includes

Protection against your legal liabilities for bodily injury to third parties and damage to their property

Exceptions and Limitations:

• Loss or damage to property in your custody or control
• Pollution unless caused by sudden and identifiable incident
• The first part of any claim (the excess)

Employers Liability £10,000,000 cover includes:

• Legal cost and expenses in defending prosecution under health and safety legislation
• Unsatisfied court judgements in favour of employee injured in your employment by third parties
• Legal expenses in connection with Corporate Manslaughter

Exception and Limitations

• Cover for acts of terrorism is limited to £5,000,000 per event
• Bodily injuries of employee whilst carried in or upon a vehicle

Optional Business All Risks – Cover for your property following accidental loss or damage

Exception and limitations

• Wear and tear, gradual deterioration, faulty or defective design, material or workmanship
• Theft from unattended vehicle not involving forcible or violent entry

Available add-on policies

We also offer additional insurance cover, such as: