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Mobile food van insurance

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What's on this page

Why do you need catering van insurance?

From sandwich vans to food trucks, you’re working with food in a confined space, and accidents will happen. Claim costs for allergic reactions, injuries and property damage can creep into the millions, but sandwich van insurance (or any of our catering van insurance options) is designed to protect the business you’ve built.

  • Tick iconfood truck insurance UK-based claims and customer service team
  • Tick iconcatering van public liability insurance between £1 million and £5 million
  • Tick iconquotes start at £6.79* a month based on 2020 data
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What does catering van insurance cover?

We’ll start with public and product liability insurance – a popular cover for food truck businesses, and other mobile caterers. It’s built to cover against claims for illness or injuries your business has caused, or claims for property damage. From there, you can choose to add insurance options that fit your business, from employers’ liability to protection for expensive equipment and essential stock.

Public liability insurance for catering vans

In case your mobile catering causes an injury, illness or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • Tick icondamage to someone’s property, because of your mobile catering van business
  • Tick iconan injury or illness caused by your business activities or products
  • Tick iconaccidental damage or injuries caused by your employees

For example:

  • a customer sues your ice cream van business, after suffering an allergic reaction to one of your products
  • you accidentally spill scalding hot tea on a customer, while they’re waiting to collect an order
  • a pedestrian trips over a box of goods your employee has left on the pavement, breaking their wrist

What you’ll need additional cover for

  • road accidents, and claims related to your van or vehicle – these are usually handled as part of your motor insurance policy.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your food van business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • Tick iconan injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • an employee trips down the steps of your van, breaking their ankle
  • you hire a temp for the festival season, who cuts their hand while cleaning a blender

Stock insurance for catering vans

In case something happens to your catering ingredients or materials.

What’s typically covered by stock insurance?

  • Tick iconloss, damage or theft of things like your fresh ingredients, specialist flours or packaging materials

For example:

  • flooding in your storage unit destroys your stock of condiments, fresh meat and ice cream
  • you make a big Christmas packaging order, which gets stolen while you’re speaking with a supplier

Read more about stock insurance

Business and office equipment insurance

In case something happens to the equipment you use to run your catering van.

What’s typically covered by business and office equipment insurance?

  • Tick icontheft of the equipment you use to operate, from your laptop to your bain marie
  • Tick iconloss of your equipment
  • Tick iconflood, fire or accidental damage

For example:

  • a new employee operates your electric hamburger machine incorrectly, breaking the unit
  • your display freezers are stolen from your business premises
  • while preparing ingredients, your temp breaks an expensive food processor, delaying the next day’s orders

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs connected with your catering van business.

What’s typically covered by legal expenses insurance?

  • Tick iconlegal costs associated with day-to-day operations, like an employee dispute
  • Tick iconproperty damage, nuisance or trespass and associated legal costs
  • Tick iconHMRC, tax and compliance issues, if they come up
  • Tick iconincludes a tax advice helpline, a 24/7 confidential legal helpline and crisis support to help you protect your reputation, as a well-known caterer

For example:

  • your client is disputing the contract they have with you for their wedding, stating you haven’t fulfilled your contractual obligations
  • an employee you’ve hired ahead of the busy Christmas market season sues you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident – at work, or off-shift.

What’s typically covered by personal accident insurance?

  • Tick iconinjury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • Tick iconlost income, hospital bills or other medical costs associated with the accident

For example:

  • injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • lost income, hospital bills or other medical costs associated with the accident

Read more about personal accident insurance

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

How much does catering van insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.79 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

Example catering van insurance quotes, real prices

£15.38 /month

£133.77 /year

A small food van that serves in a retail car park

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Liverpool

Public liability

£1,000,000


Employers' liability

Not included


Contents/business equipment

Not included

£44.10 /month

£392.01 /year

A mobile food van that specialises in funcations and weddings

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in EH11 2AY

Public liability

£2,000,000


Employers' liability

£10,000,000


Contents/business equipment

£10,000

How we work out example quotes These examples are real quotes from our online system (created 16/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does catering van insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider restaurant insurance or takeaway insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm

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How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having catering van insurance through Simply Business has saved mobile caterers thousands of pounds when the unexpected happened.

Joe saved more than £4,900

Joe (not his real name) was away on business during a catering van break-in, resulting in damaged glass and stock, laptop and kitchen equipment theft and two weeks of business interruption. His food truck insurance covered the malicious damage costs.

Insurance payout

£4,932.06

Covering the cost of malicious damage


Joe's costs

£100

The excess amount stated in Joe's policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Catering van insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about catering van insurance.

  • Public and product liability insurance is often an important cover for catering vans – it’s designed to protect you if someone is injured or gets sick, or their property is damaged, because of your business.

    Do you employ any staff? If so, you’re usually required by law to take out employer’s liability insurance, even if it’s for a contractor team member, or casual and seasonal staff. You’ll face fines of up to £2,500 a day for anyone you haven’t covered correctly.

    From there, you can pick and choose from other specific protection for your food van’s stock and equipment, plus legal expenses for things like employee disputes and personal accident cover for the slip-ups that can delay contracts and orders. Our catering van insurance policies are flexible – you can bundle everything into one policy or go for just one or two covers, depending on what you need.

  • If you employ any staff, employers’ liability insurance is almost always a legal requirement for your business, and you could be fined up to £2,500 a day for anyone who isn’t covered properly. Alongside this crucial employers’ protection, a burger van insurance quote will usually give you the opportunity to cover lots of different risks, specific to your burger business, from public and product liability – in case of things like allergic reactions, injuries or damage – to personal accident and stock damage.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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