Mobile caterer and outside caterer liability insurance

Liability/ trailer cover for mobile caterers

We offer a public and employers liability insurance contract for a wide range of catering and non catering risks for businesses based in the UK and Northern Ireland. If you want a quote for loss or damage to the trailer please use this form

Employers Liability

£10,000,000 any one occurrence

Liability for bodily injury for employees during course of employment

Health and Safety at work legal defence costs

Indemnity to principals

Public Liability

£5,000,000 any one accident

Liability for bodily injury to third parties and third party property arising in connection with the business and not caused by products

Poperty owners and Occupiers Liability

Health and Safety at Work legal defence costs

Indemnity to principals

Products Liability

£5,000,000 in the aggregate

Liability for bodily injury and damage to third party property arising in connection with the business and caused by goods - including food poisoning

Consumer credit act and Food Safety Act legal defence costs

The £5,000,000 limit can be increased to £10,000,000 on request and payment of additional premium.

ACCEPTABLE OCCUPATIONS		REFER May be acceptable Mobile Bars/ Services ANY Marquee tent erection over 8ft tall Not registered with Local Authority Health Dept Previous Claims Unsatisfied CCJ/ Bankruptcy Pier Risks Adverse History Group 3 risks (51-100 seats) in Northern Ireland
All Group 1 occupations with 11-20 employees or with 21-50 seating capacity must be rated as Group 2 (count agency staff and casual labour) Between 51-100 seats rate as Group 3.
Group 1	Group 2
Hot/ cold food vans./ trailers, Mobile Shops Ice cream vans/ trailers Baked Potato Ovens Ice cream bicycles and tricycles (No road use)
Sandwich Rounds Buffet caterers (food prepared away served cold) Milk delivery (Not dairies) Bread delivery (Not bakeries) Wet Fish Round	Buffet caterers - on-site cooking Contract Caterers (Golf clubs/ public houses/ staff canteens etc)
Permanently sited catering trailers/ portacabins Food Kiosks Vending Machines (Cold sales only) Takeaway shops - cold sales/ microwave/ hot drinks Cafes/ restaurents/ tea rooms - cold sales/ microwave/ hot drinks	Vending machines (Hot) Takeaway Shops - Hot sales Cafes/ Restaurents/ Tea rooms - Hot sales
Fruit & Veg stall (inc markets) Home made preserves Delivery Drivers - self employed not wholesale Mobile Butchers (No Employers liability) Cake maker/ decorator	Cookery Demonstrators Dinner Parties
Flower sales e.g. roadside Flower arrangers Souvenir Sellers - e.g. outside football grounds Mobile video hire Newsagent Kiosks

(This is for guidance only and is not exhaustive)

Rating

Rating depends on turnover, the occupation and whether cover is required in the Province (cover will extend into Eire). Premiums include IPT and a £10.00 policy fee. Please note we do have another scheme for liability which may be slightly cheaper but cannot offer these online - please use this form.

	Group 1 Risks		Group 2 Risks		Group 3 Risks
Turnover	Excluding NI	Including NI	Excluding NI	Including NI	Excluding NI
Up to £30,000
£60,000		We are pleased to provide quotations but at the moment we have to refer to underwriters for the exact premiums. A new online system is being prepared. Our contact number is 01388 607105 - or complete the form below.
£80,000
£100,000
£150,000
£200,000
£250,000
Over £250,000	Refer

One-off events can be covered (up to 3 days, 10 employees and 20 seats) assuming less than £7,500 turnover will be generated.

1 day - EX Northern Ireland
3 days - Ex Northern Ireland
1 day - Inc N. Ireland
3 days - Inc N. Ireland

Please use the form below to request a proposal form (UK customers only)
Your name
E-mail address
Address line 1
Address line 2
City
County
Post code
Age
Telephone No.
Type of catering undertaken	Must be completed
e.g. hot dog stand, fish and chip, catering for firms, sandwich bar etc, etc. For more examples look at the lists at the top of the page.
Date commenced Trading	Must be completed
Turnover	£
Employees
How many seats (if applicable)
Is alcohol served?
Policy Type
DO you want short period cover
Comments contract, details of business etc including turnover, claims
Declaration I have completed the form to the best of my knowledge and belief. I have made a full disclosure of all material facts. I have read and understood the Important information below. I understand that there is no cover in force until confirmed by B. Portwood & Co Ltd, a satisfactory proposal form completed and accepted and payment of the premium made - either in full or an instalment plan set up acceptable to B. Portwood & Co Ltd.

Liability/ trailer cover for mobile caterers

Employers Liability

Public Liability

Products Liability

Rating

Terms and Conditions

Links to our other lists of policies