Should I have Insurance for a Catering Trailer?

While it’s true that catering vans must be insured by law before hitting the road, the same isn’t the case for catering trailers. But just because it’s not legally required doesn’t mean skipping out on catering trailer insurance is a wise choice. Think about it—your catering trailer is likely a key asset of your business. If it were to be stolen or damaged, you could find your whole operation grinding to a halt.

So, whether you’re planning to dish out burgers at a summer festival, serve up coffee at a cosy winter market, or offer sandwiches in a lively town square, it’s a smart move to get your catering trailer insured first. This way, you’re covered no matter what comes your way.

What will Catering Trailer Insurance cover?

It’s likely that the equipment in your trailer is essential to running your catering business – and it probably represents a considerable investment too. So you might want to look for Catering Trailer Insurance that covers, not only the trailer itself, but also the equipment inside. This is where specialist policies really come into their own as you should be able to tailor the cover to suit your situation. Just make sure that, as with all insurance, you check the policy details carefully before signing up.

The value of the equipment in your trailer will be reflected in the cost of your Insurance premium, with cooking equipment (for example in a burger trailer or Fish and Chips stand) likely to be more expensive to insure than some more simple set ups.

Towing your Catering Trailer

Unless you have a static trailer that never moves from the same site, at some point you will be towing your catering trailer and this activity on public roads is insured via the insurance for the vehicle that you use to tow your trailer. Be sure to check your Car Insurance or Van Insurance policy to be certain that towing your trailer is covered – and that the level of cover represents what you and your business needs.

Good question. Public Liability Cover is invaluable for any business dealing directly with the public, as it covers you against the cost of any claims arising against you. For a catering business serving food directly to the public, good quality Public Liability Insurance is essential – imagine someone gets sick from eating at your van, or there’s a minor accident. Some Catering Van Insurance policies may let you add on Public Liability Cover. But if not, be sure to get quotes for a separate policy to protect your business.

How can I get the best price for my Insurance?

Whether your van is a feature at festivals, or has a regular slot at the seaside, comparing a number of quality UK policies is a great way to get the protection you want at a price that works for your budget.

You might always want to consider ways to reduce the risk to your trailer when it isn’t being used – for example, if you are able to store it in a secure location like a garage or even a private drive, the premium might be reduced.

Compare More; Pay Less?

It’s always a good idea to compare quotes for insurance in the UK, whatever type of insurance it is. Comparing quotes allows you to check out the differences in policies, select the cover you need, and discover additional options that might be just right for your circumstances. And, of course, comparing quotes means comparing costs too, and helps you find the best price for the insurance that you need.

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