Catering insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • 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 customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. 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
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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.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • 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.

  • Home emergency

    Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4 hour response time. Extreme weather and remote locations may extend the response time.

    Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

    You're also covered for overnight accommodation, up to £300 inc. VAT, if you can't stay in your home due to the insured incident. This isn't available if your home is a B&B, guest-house or hotel.

    There's no excess to pay and no limit on how often you can claim.

    You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

    Home emergency isn't currently available on policies that include commercial premises.

    For more information click here.

  • 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

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

  • Terrorism cover

    If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and business interruption (depending on which covers you have taken).

    This includes:

    • the rebuild of buildings damaged beyond repair
    • cover for damage or loss of your business contents, stock and computer equipment, to help you get back up and running.

    If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

    Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

    Terrorism cover is only available for properties located in England, Wales and Scotland.

    Terrorism insurance is optional, so an additional premium will apply.

    You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

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 25 October 2020 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.