Catering insurance from under £5 a month

You choose what goes into your policy, so all your insurance needs are catered for.

10% of customers paid £57 or less for their Public Liability insurance for a 12-month policy between June 2019 – June 2020. We offer 0% APR on your monthly direct debit payments in the first year. Subject to credit agreement, must be aged 18 years and over.

Join over 500,000 businesses who trust us with their insurance.

  • Get 10% off business insurance if you’re already a Direct Line customer.

    Discount applies to your new business insurance policy. Subject to minimum premiums.

  • Pick and choose from a range of cover options.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly direct debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Cook up a personalised policy for your business

When the success of your business depends on your ability to keep clients fed and happy, you need to be able to act fast when things go wrong. That’s why we offer personalised insurance that keeps up with the demands of your work.

If your food gets damaged in transit and you can’t cater an event, you’ll lose the takings for the day. We can cover the cost of replacing the produce, as well as any loss in turnover. Similarly, if someone falls ill at an event you’ve catered for, they could make a claim against you. We can cover any legal fees and compensation costs that you’re liable for.

You can pick and choose from a range of cover options to create a bespoke policy that caters for your specific needs. So whether you work alone or with a team, you’re covered if something goes wrong.

Get a quote
or call us on 0345 605 9168

Confused by an insurance term? Look it up in our
jargon buster

Your cover options

You can include any of the following cover options in your catering insurance policy. These covers are subject to policy conditions and limits.

  • Public and product liability

    Public liability covers you if you accidentally injure a customer or member of the public, or cause damage to their property. For example, if you spill a vat of soup over a client’s carpet, public liability will cover the damage, compensation or legal costs you’re required to pay.

    Product liability covers you if anyone becomes ill because of eating your food. For example, if you unintentionally serve spoiled food or food containing a foreign body, we’ll cover the fees you are legally required to pay.

    Public and product liability cover comes as standard with our catering insurance, and we can offer cover from £1 million to £10 million (subject to criteria).

  • Contents cover

    Insure your specialist cooking equipment, like food processors and chef’s knives, with our contents cover. You can choose to insure items stored at home and items taken away from your premises. For example, if you’re serving a buffet at a client’s venue, you may need to bring serving pots and heating equipment with you, as well as any cutlery and crockery you provide to guests.

    If your equipment is stolen or damaged by an insured event, e.g. a fire or flood, we’ll cover the cost of replacing it.

    You can also insure the essential electrical items needed to run your business, like your work laptop, smartphone or even a till.

  • Stock cover

    If you’re due to cater for a big event and the food stored in your fridge is ruined following a power cut, you’ll need to act fast to complete the job. With our stock insurance, we can cover the cost of replacing spoiled or stolen food produce.

    As well as your ingredients, we can also cover the food you’ve prepared. This includes food stored in your kitchen, food being taken to the venue and food at the venue. For example, if your food is being transported by a third party delivery service and gets damaged in transit, your customer will expect their money back. We can cover your lost income.

    We offer an extra 25% of cover for 15 days before and after every bank holiday, and for two months of your choice, as standard. This is especially useful if you know you have a particularly busy period, like Christmas.

  • Buildings cover

    If you own the building you work from, you can insure it on your business policy, so all your cover is in one place. If there is an insured event such as a flood or fire at your premises, buildings insurance will cover the costs of repairing the damage. It can help pay for clearing debris and architect's fees.

  • Equipment breakdown cover

    When you insure your contents or stock, you’ll get equipment breakdown cover as standard. This means you can insure the essential machinery you need to run your business, like cookers and mixers. If they break down, we can cover the cost of repairing or replacing them, as long as the damage is not due to wear and tear.

    Similarly, if you choose to insure your premises, we’ll automatically cover the items that form part of the building, such as your boiler or fire alarm. The breakdown must not be due to wear and tear.

  • Employers’ liability

    In most cases, employers’ liability insurance is a legal requirement if you have employees. This covers the costs you have to pay if an employee gets injured or becomes ill because of the work they do for you and then decides to take legal action against your business.

    It doesn’t matter if your employee is working for you on a one-off basis at an event or helps you full-time, you still need cover. We will cover you for £10 million, as standard.

  • Business interruption

    If your working premises, equipment or stock becomes unusable due to an insured event like a fire, flood, theft or accidental damage, business interruption will cover the extra costs of setting up your business somewhere else, and the loss of turnover due to not being able to work.

    For example, we’ll cover you if an event you are catering for is cancelled due to an insured event, like a flood at the premises. We’ll cover the extra costs you face in moving venues or lost turnover. We can also cover you if an employee drops a piece of equipment, e.g. your food processor, preventing you from catering an event.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Theft of takings

    If you sell at fairs or at events, you’re likely to be handling cash. This policy will cover you in case of theft. This includes business takings stolen from anyone working for you. We’ll cover you for up to £1,000 when you trade at markets and fairs.

  • Cyber cover insures you for the cyber security risks your company may face. If you take payments and bookings online, or rely on computer systems for your business, you’re vul-nerable to a cyber attack.

    Cyber insurance covers the costs you have to pay as a result of cyber crime, compensation and defence costs for a data breach or unintentional transmission of a virus, loss of income following a cyber attack and the cost of responding to a cyber ransom demand.

    We also provide access to IT forensics and data recovery experts, specialist support for PR and crisis management, identity theft assistance and specialist advice to prevent viruses or hacking attacks after an incident.

Get a quote
or call us on 0345 605 9168

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 15 July 2018 until 31 March 2019, which shows the main covers and exclusions in our policies.

Below is a summary of a generic policy, from 1 April 2019 onwards, which shows the main covers and exclusions in our policies.

Frequently asked questions

  • Q What kind of businesses does Direct Line for Business cover?

    Other similar business we can cover include:

    • Bakers
    • Butchers
    • Cake makers and decorators
    • Cheesemongers
    • Delis
    • Fishmongers
    • Food retailers
    • Home bakers
    • Ice cream parlours
    • Tea rooms and coffee shops

    If you don't see your business here it doesn't mean we won't cover you; start a quote online, speak to us on Live Chat or call us on 0345 8785 622 to see if we can offer you a quote.

  • Q Are there any businesses that Direct Line for Business won’t cover?

    At present, we cannot offer cover to the following:

    • Caterers that prepare food when they're at a venue. If you are a caterer, we expect you to make the food ahead of time and bring it on the day.
    • Commercial and large-scale kitchens
    • Food retailers who work at pop-up shops. See our pop-ups page to check our definition of a pop-up.
    • Restaurants and cafes
    • We also can’t provide mobile catering insurance, where you run a food van or truck.

    We are constantly reviewing and developing our policies; if we can’t cover you now, we hope to be able to in the future.