The mobile catering industry is booming. One of the popular ways to start a mobile catering business is by purchasing a catering trailer. However, before you hit the road, you need to consider your insurance options. Here are some things to look for when purchasing catering trailer insurance:
- Ensure you have the right insurance in place for your catering business
You should consider a catering trailer insurance policy that also provides cover for public and product liability
Make sure that your catering trailer insurance policy covers both your trailer and any permanent fixtures and fittings. In the event of an accident, you want to be sure that they are both covered.
Liability insurance helps to protect you from any legal claims that could arise if your business causes injury, damage or even illness
- Review your policy regularly to ensure that it still meets your needs
As your business grows, your needs may change. Make sure that your catering trailer insurance policy can grow with you.
- Know what is covered and what is not
Your policy will likely have a list of items that are not covered. It could include things such as the trailer’s contents and stock, or it may exclude third party damage while you are towing.
- Choose an insurer who understands the catering industry.
Not all insurers are created equal. Make sure that you work with an insurer who understands the catering industry. It will help ensure that you get the right coverage for your business.
- Take out additional cover if necessary.
There may be some items not covered by your catering trailer insurance policy. If this is the case, you may be able to take out additional cover to protect yourself.
- Make sure you have a good relationship with your insurer.
If you ever need to make a claim, it is vital to have a good relationship with your insurer. It will help to ensure that the process goes as smoothly as possible.
- Report any accidents or incidents as soon as possible
If you are involved in an accident, or something happens to your trailer, report it as soon as possible. It will help ensure that the catering trailer insurance company can investigate the claim.
So, what should you look for when purchasing catering trailer insurance? First and foremost, make sure that your policy covers the fixed equipment in your trailer. You should also consider liability insurance.
Finally, read through the exclusions and see if the policy doesn’t cover any items or situations. You can ensure that your catering business is fully protected on the road by taking these steps. Have you purchased catering trailer insurance? If not, now is an excellent time to start shopping around for a policy that fits your needs.
Get in touch with Catering Insurance who can help you find the best catering trailer insurance policy.