Catering van insurance typically covers damage to your vehicle, liability for injuries or property damage to third parties, theft, vandalism, and coverage for equipment and fixtures inside your van. Some policies also include breakdown assistance and legal fees.
Insurance for mobile and static catering vans and mobile food venders
At smei we understand that your catering van is more than just a vehicle — it’s the heart of your business. Whether you’re delivering gourmet meals, catering events, or running a mobile food truck, you need reliable, comprehensive insurance. This insurance keeps you protected on every journey.
Key Features and Benefits:
- Quotes from a panel of A-rated insurers.
- Single, flexible policy — tailor made to suit your requirements.
- Dedicated adviser throughout your policy.
- No midterm amendment fees should you need to make a change.
- Access to a 24-hour legal helpline.
- Flexible payment options including direct debit.
- Access to documents anytime, anywhere via our secure portal.
- Cover for hot and cold food catering, including burger vans, ice cream vans, pizza vans, coffee vans and more.
Get a catering van insurance quote now
Get a tailored catering van or food truck insurance quote today.
What Type of Catering Van Insurance do you Need?
Running a food trailer business involves managing a variety of risks to safeguard against the unexpected. Our tailored insurance policies are designed to address these unique challenges, giving you peace of mind so you can concentrate on serving your customers.
For those needing cover for a single event or a short period—up to 7 days—our short-term mobile catering insurance provides a flexible solution. If you frequently take on multiple catering jobs throughout the year, our annual policy offers a more cost-effective option.
As a mobile caterer, you require specialised insurance for your food van and trailer. Our policies cover your business use across different locations, including protection for your vehicle, fixtures, and fittings. This means your equipment is fully insured, giving you confidence on the road. Additionally, our professional catering policies include full fire coverage. This is an essential safeguard if you’re transporting hot foods or electrical appliances onboard.
Public liability
Protection from claims made by the public who sustain an injury or has their property damages as a result of your actions.
Product liability
Protection from claims for harm or damage caused by the food or products you provide to customers. This type of liability covers situations where a customer might suffer illness, injury, or other damages due to contaminated, spoiled, or improperly prepared food. It also applies if the food or products sold are defective in some way.
Stock cover
Provides protection for accidental damage, loss, or theft of your stock, including non-frozen goods, whether stored at your premises or temporarily elsewhere.
Catering and cooking equipment
Protects against accidental damage, loss, or theft of equipment you own or are legally responsible for. This includes business equipment that isn’t permanently fitted, whether it’s at your premises or temporarily off-site.
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Optional Extra Covers Include:**
- Business interruption.
- Deterioration of refrigerated stock insurance.
- Directors and officers insurance.
- Employers liability insurance.
- Equipment breakdown.
- Goods in transit.
- Legal expenses.
- Personal accident cover.
- Product liability insurance.
- Public liability insurance.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
Frequently asked questions
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We cannot offer cover for more than one catering vehicle on an individual insurance policy. We can, however, offer a fleet solution where applicable and subject to the insurer’s terms and conditions.
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Yes, we can offer you a separate policy to cover a catering trailer.
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Yes. Because your catering van is used for business purposes and carries equipment and food, you need a specialised commercial or mobile catering van insurance policy. This ensures your vehicle, equipment, and business operations are fully protected.
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No, unfortunately we can’t offer short-term catering van business insurance. Our policies are on an annual basis.
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Yes, most policies include coverage for your catering equipment, fixtures, and fittings inside the van. It’s important to specify the value of your equipment when applying for insurance to ensure adequate coverage.
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Premium costs depend on factors such as the value and type of your vehicle, the level of coverage you choose, your business location, driving history, and whether you carry high-value equipment or operate in high-risk areas.
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It’s essential to protect your investment, equipment, and livelihood. Without proper insurance, you could face significant financial losses from accidents, theft, or liability claims. Having the right cover ensures peace of mind and business continuity.
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