Catering insurance from under £5 a month.

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.

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.

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.

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.