Caterer Insurance

Keeping you open should the unexpected happen.

We work extensively with the hospitality industry from local coffee shops to restaurants and hotels. We can help you plan for the unexpected and get you back on your feet should the worst happen.

Insurance overview

Our policy includes standard covers suited to a variety of catering and hospitality businesses - from restaurants, cafés and pubs, to hotels and guest-houses.

It's also flexible, with a choice of optional covers to suit your business' needs now and in the future.

What's included as standard:

  • Contents and Stock - contents and stock at your business premises, including automatic seasonal stock increase of 25% with an option to increase it further.
  • Goods in Transit - loss or damage to your property while it’s in transit, up to £10,000.
  • Money and Malicious Attack - damage from theft or attempted theft to safes, tills and any items used for carrying money.
  • Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
  • Employers' Liability - damages arising from injury and illness to employees, for which you are legally liable, including while working abroad for up to 60 consecutive days, up to £10 million as standard.
  • Public and Product Liability - damages arising from injury to the public or damage to their property because of your business' activities and/or products, starting from £2.5 million.
  • Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.

Additional covers you can choose:

  • Deterioration of Stock - deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
  • Engineering Insurance - accidental damage or breakdown of machinery and plant.
  • Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
  • Buildings - Buildings cover is available if required.
  • Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland and Wales.
  • Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
  • Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
  • Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
  • Defaqto 5 Star rated cover

    Our Caterer Insurance provides one of the highest quality offerings on the market.

    Defaqto 5 Star rated cover

    Our Caterer Insurance provides one of the highest quality offerings on the market.

Other business products

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Commercial Insurance

Our Commercial Insurance is flexible to cover your businesses needs, suitable for larger businesses.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.


Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.