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Business Catering Insurance
Click Here to Get a Catering
Insurance Quotation.
Find out about
discount business catering Insurance that is normally available as a business insurance
package. This type of policy is readily available and easy to arrange. Business Catering
Insurance policies consist of a number of different sections, you will be
allowed to pick your sums insured in respect of some covers whilst others will
be fixed. A typical policy will contain the following; Buildings, Stock
(Including High Risk Stock such as Wines Spirits and Tobacco) Contents, Fixtures
& Fittings, Glass & Sanitary Fittings, Business Interruption, Deterioration of
Stock, Public Liability, Products Liability, Employers Liability, Loss of
Licence, Book Debts, Personal Accident, Money & Personal Assault, Commercial
Legal Expenses. As you can see the list of covers available to the caterer is
very wide. When requesting a quotation for catering truck insurance, you will be asked
a number of underwriting questions to help the insurer calculate a premium for
you. These questions will include the type of business that you run. (catering
van establishments are rated according to risk, with fast food establishments being
amongst the most expensive to insure. The age and construction of your building
including whether any portion of the roof is Flat. The postcode will be required
as insurance companies will use this to calculate possible increased exposure to
flood, subsidence and theft claims. Depending on your sums insured the insurer
will also need to know details of security at your premises. Most will require a
minimum of good physical security such as 5 lever mortise deadlocks on the final
exit doors and key operated window locks. If you sums insured in respect of
Stock, in particular high risk stock reaches a certain level, you may be asked
to fit an alarm to your premises. Alarms can vary from the fairly useless bells
only alarm through to the most advanced digital type known as Red care. What
ever the alarm requirements are, your insurer will let you know these prior to
you accepting a policy. In some cases your catering Insurance may be issued but
subject to a survey by a representative of the insurance company ( this will be
at their expense). Following a survey, you will be informed of any additional
security measures required. You will normally be given a period of time to put
these measures in to place. As well as the above basic information, the insurers
will want to know a little about your own background and in particular they will
want to know if you have had any previous claims for insurance.
Although all
catering insurance policies are different, most will follow a similar range of
perils. Some will be core covers, others you will be able to pick and choice and
tailor to your own specific needs. As well as covering your catering business
fixtures & fittings, you will be able to cover your stock, fixtures & fittings,
liabilities, Glass & Sanitary Fittings, Frozen Foods. and in many cases your
legal expenses as well. A fairly typical range of perils available under a
Catering Insurance policy would be as follows; Fire, lightning, explosion,
earthquake, impact, aircraft, storm, tempest, flood, bursting pipes, escape of
water, riot or civil commotion, malicious damage, theft or attempted theft,
subsidence, landslip or heave. Accidental Damage to Fixed Glass and Sanitary
Fittings. A typical excess ( the first portion of the loss that you will be
required to pay is £250.00 rising to £1000 in respect of subsidence.
Landlord
Insurance
With regard to
claims for Business Interruption, the cover you will receive will usually follow
the cover provided under the Material Damage section of the policy. There is a
formula for calculating business interruption cover and a good insurance
intermediary will be able to explain this to you. As with all insurance
types, your catering insurance policy will have many exclusions and warranties.
Some of the many warranties relate to cleaning of catering equipment. The
Extraction and Cooking Equipment warranty is fairly typical, it states that all
cooking fume extraction canopies ductwork and the like be washed/wiped daily and
must be cleaned at least once a year by an independent contractor further all
filter, traps and other grease removal devices must be thoroughly cleaned at
least once a month. another typical warranty is the Deep Fat Frying Warranty, It
states that if you operate a chip shop for example that all ranges and all
equipment used for the purpose of Deep Fat Frying are to be cleaned weekly and
at least once a year by an independent contractor. Finally a Deep Fat Frying
clause which does need a little bit of time studying. You will have to
make sure that;
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A flame
failure device is fitted if your catering range is gas or oil fired. A
thermostat is fitted to your equipment which prevents the temperature of the
fat or oil exceeding 2050 centigrade or the supplier’s recommended temperature
if that is less. a high temperature limit control (of a non-self resetting
type) be fitted to your equipment to shut off the heat source if the
temperature of the fat or oil exceeds 2030 centigrade.
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your
extraction of heat, fumes and/or combustion products be via an integral duct,
or an overhead canopy and duct system, vented direct to the outside
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all ducts be
constructed of and supported by galvanised or stainless steel
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the grease
trap, filter and other grease removal devices be cleaned at least once a week
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a fire blanket
(of an adequate size) be kept, at all times, in the vicinity of the range
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a minimum of
two of the following fire extinguishing appliances to be kept, at all times,
in the vicinity of the range and be regularly maintained to ensure that they
are in proper working order: CO2, halogenated hydrocarbon, dry powder, foam.
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These are the
basic requirements if you are using deep fat frying equipment as used in a
chip shop, there will be other terms and your professional insurance advisor
will be able to go through these with you when then discuss your catering
insurance demands and needs
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