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.

Get your liability protection 100% right with expert advice

Contact our team of experts today to get tailored insurance advice. As caterers ourselves, we have been working within the catering industry for over 30 years and are striving to help your food business be safe, legal and profitable. Our insurance broker partner, will be walking you through the policies details and explaining the cover options available to you. It is then your choice, knowing that you have an understanding of the insurance you require. You can then make an informed decision, knowing that you have best and most adequate protection for you specified type of catering business.

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

We’ll cover you for £5 million

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

We’ll cover you for £5 million

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:

kitchen and a steel table

Protection against loss, theft or damage for catering equipment – that includes generators.

Equipment Insurance

Protection so you can keep earning even if your unit gets stolen or damaged.

Business Interruption Insurance

Including stock, glass & money cover – just give us a call on 0121 603 2524 for advice and cover.

And lots more

Additional benefits to these policies


Up to 15% discount for NCASS members


Free legal helpline for NCASS members


No limit to the number of staff


Instant quote & fast protection


Documents emailed to you

Get in touch

Want to get in touch? We’d love to hear from you. Here’s how you can reach us…

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