Food delivery service - insurance?

[imran_f5]

Hi,

I am starting a food delivery service and would like to know as to what insurance I would be legally required to have.

A few points to be considered:
- Business is delivery only from a catering unit. Therefore no customers will be 'on site'
- No registered employees.

Some people are telling me I do require public liability insurance.. Some are saying I don't because of my circumstances.

Any help would be greatly appreciated!

Imran

 

[ethical PR]

I think perhaps you do. I would suggest calling up a few insurance companies and asking their advice. They will know what you need and can give you a quote.

 

[Simply Business]

Hi @imran_f5, legally you may not require any business insurance. However, to give you some insight, these types of cover might be worth your consideration:

Public liability insurance - This will cover you for any damage you cause to third party property, or injuries to members of the public (i.e. smashing an expensive ornament outside a house you're delivering to, or managing to injure the customer.)

Product liability insurance - Similar to public liability, however, this covers your products. For example, if your food was to give a customer food poisoning etc - this is the sort of thing product liability may cover.

Buildings cover - You may want to insure your catering unit (if it's a freestanding unit etc.)

Equipment/tools cover - Expensive kitchen equipment you may want to cover.

Stock cover - if you hold a lot of stock you may want to insure it.

Hope that was helpful! Let me know if you'd like any more help/info at all Good luck!

 

[DontAsk]

Hi,
- Business is delivery only from a catering unit. Therefore no customers will be 'on site'
- No registered employees.

You will be interacting with the public during delivery so I would suggest you do need public liability cover.

You might also poison a customer who eats the food. Whether that's public or product liability I defer to the experts.

You do not need employers liability cover until you employ someone, at which point it is required by law.