Catering Business Insurance

From festivals, exhibitions, events, garden parties and more, our specialists have got you covered - we'll deliver the insurance, so you can keep serving great food.

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Specialist guidance

Catering for start-ups through to established businesses with multi-million-pound turnovers, we can meet your insurance requirements at any stage of your business's development.

Resulting from our years of experience working closely with contract catering companies, we understand the diverse business activities this fast-paced industry can have and are able to evaluate risks as your business grows.


Tailored catering cover

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Buildings, Contents, Business Interruption and Stock Insurance

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Employers' and Public Liability Insurance with standard and higher limits available (if, for example, you have a high-value accumulation risk)

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Employment Disputes Insurance (including TUPE transfer)

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Loss of License and Food Contamination Insurance

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Money (high cash limits) with Personal Accident & Assault Benefits cover

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Personal Accident and Staff Dishonesty Insurance

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Optional additional insurances such as: Reputational Damage, Cyber Risks and Financial Crime

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Frequently asked questions

What insurance should I have as a director of a catering business?

As a director of a limited company you should have Management Liability insurance, which Clear can arrange for you. This is to protect the directors, officers and managers of the business against personal liability claims arising from the decisions and actions they make, for and on behalf of the business.

Are there any insurance implications with TUPE arrangements with staff?

Yes there are, and we can tailor a solution as part of your insurance programme.

How do I correctly insure a business that operates from multiple locations?

Our specialists can discuss each site with you to ensure that the cover is customised to reflect the size, scope and activities of each location.

Will I be covered for food poisoning?

Yes. This would be covered under the Products Liability element of the insurance programme.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

Chartered status

Chartered status

In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

Exceptional service

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.

The bigger picture

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