By in ,

Catering Liability Insurance

Catering Liability Insurance

Catering liability Insurance

The catering industry is one that can be very interesting and exciting. There are many directions you can take with a huge variety of food options and themes. The industry could be described as the business of providing food service at a site such as a hotel, hospital, pub, aircraft, cruise ship, park, filming site or studio, entertainment site, or event venue. Town centre and roadside destinations are also included.

With the catering industry, as with many other sectors, come risks. These could potentially include any slips, trips and falls, lifting and contact with hot surfaces. These examples are often the worst case scenario but having catering insurance should cover you on the liability front.

Catering, among other trades, often uses public liability insurance as it can protect you if somebody is injured or something is damaged due to your business. It covers any costs of claims that are made by the public, which could be for incidents that are linked to your business. In any situation where public interaction is a part, there is potential for a claim. Compensation for personal injuries and loss or damage to property could be covered. Although all precautions can be made beforehand, accidents unfortunately do happen.

Public liability insurance is key in protecting your catering business. Service, hygiene and quality may all come under fire if the right steps are not taken. Getting the right catering insurance policy will make things much more straightforward and save any hassle that comes along with things not always going to plan. Catering liability insurance is one of the main aspects a business owner can look at when planning how to create success for their food-based concept.

Catering is a business with many elements, but it is important that your insurance is sorted correctly and not overlooked. Catering Insurance can provide catering liability insurance for business owners which protects them from things that may arise.

To get a liability insurance quote for your catering business, please request a quote on our site or call us free on: 0800 488 0014

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.

By in ,

Café Insurance

Cafe Insurance

Café Insurance

Popping round the cafe for a quick cuppa or a quite 5 mins to yourself is part and parcel of everyday life as is clearly shown by a stroll down any English high street.

The British Coffee Association says that in 2018, despite Britain being a nation of tea drinkers we drank 95 million cups of coffee every day! When coupled with the impulse purchase of a sandwich, biscuits, cake etc shows that cafés are a booming business.

Cafes, coffee shops and tea rooms have a pulling power that attracts many different groups of society, students, workers on lunch breaks and shoppers taking a break. Paramount to creating a customer base is both location and food on offer.  Café owners need to consider proximity to amenities such as shopping centers or places of higher education all of which could be associated with customer generation.

Similarly, menu options must have careful consideration. With the growing trend of vegan cuisine these options must be considered.  An article from the Guardian advised Veganism, once widely seen as an alternative, extreme lifestyle, is now in the mainstream. Exactly how many people in the UK have eliminated animal products including dairy and honey from their diets is uncertain. One recent survey suggested there could be as many as 3.5 million vegans in the UK

Once deciding on location, menu, trading style, opening hours and much more it’s time to find the right insurance for your business. Our catering insurance experts are knowledgeable of all things “catering insurance” wise and they will be able to identify all your demands and needs to find an insurance policy that is suitable for you.

To get in touch with one of the team please request a Cafe Insurance quote on our site or alternatively call us free on 0800 488 0014.

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.

By in ,

Takeaway Insurance

Catering Insurance

Takeaway Insurance

Takeaway or Takeout is a term synonymous with food cooked by professional chefs and eaten at home. In many cases this despite being a convenient and quick way of eating is often looked upon as a treat. Takeaway cuisine is of a varied nature, Asian, Indian, Chinese, Italian and don’t forget the Chippy.

When taking that first step to running your own takeaway business you have to consider location, trading style, opening hours and competition.

Your choice of location and cuisine should complement each other. If for example you are thinking of opening a fish and chip shop, you may to consider a couple of alternative locations if there is already 3 in a 1-mile radius from where you want to trade. You will also need to keep an eye on the clock. When is the optimum time for passing trade? If its lunch time then a sandwich shop may be the one for you. If its nighttime, then may be its best to consider a kebab shop or pizzeria.

Where possible have a unique selling point. Chip shops, what fish caught from sustainable sources and as one offs shark, calamari are all options worth considering. Not to forget a takeaway specializing in vegetarian and vegan options. Choose something that helps you stand out from the crowd; you’ll be glad you did.

Once you’ve decided on your preferred options its time to consider your business insurance. Our team of catering insurance experts will be able to identify your insurance demands and needs and locate the right policy for you. Typically, you need to consider combining your requirements in an insurance policy that covers liability for your public, your product and your employers.  Whilst including cover for your contents, fixtures and fittings, buildings and even business interruption and stock cover.

To get a Takeaway Insurance quote from one of our catering insurance experts for your takeaway business, please request a free quote on our site or call us free on: 0800 488 0014

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.

By in ,

Catering for Vegans

Catering Insurance

Catering for vegans

According to The Vegan Society, veganism is a way of living which seeks to exclude, as far as is possible and practicable, all forms of exploitation of, and cruelty to, animals for food, clothing or any other purpose. This kind of lifestyle is becoming increasingly popular throughout the UK and lots of food retailers, manufacturers and eateries are incorporating these requirements into their services to keep up with the demand. There is a huge commercial interest in creating vegan choices on menus to keep up with this fast-growing way of life.

The Vegan Society state that self-identified vegans and vegetarians account for approximately 3% of the UK population, but they are amongst a broader base of people showing an interest in reducing meat and dairy intake. Despite being one of the fastest growing lifestyles across the UK, catering for vegans can sometimes still be tricky if you do not know how to go about it. Many eateries will try to come up with interesting alternatives, but sometimes finding the right dishes may not be so simple. Menus could be offering a wide range of alternatives and jumping on the drive with a commercial sense.

The Vegan Society predicts that meat-free lifestyles will continually grow, with younger generations adapting to the change and getting involved with the plan. Approximately, almost half of the 3million vegans in the UK are currently aged between 15 and 34. This demonstrates that younger generations are increasingly swapping their lifestyles for one of green. So, will the catering industry have to start focusing on attracting and pleasing young people with their vegan delicacies? Nobody is sure how the lifestyle will move in the future, but caterers may be starting to incorporate funky ideas for vegan dishes into their mainstream menus.

As the owner of an eatery, catering for vegans may be high up on your agenda, or will be in the near future. Making sure dietary requirements are sorted is important, but so is having the right insurance. This can be a tricky decision, but Catering Insurance have you covered and can provide a solution to suit you and your needs.

To get a catering insurance quote for your catering business, please click here or call us free on: 0800 488 0014

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.

By in ,

How does technology impact the catering industry?

Catering Insurance

How does technology impact the catering industry?

The world is fast-paced and ever changing. In order to keep up, businesses and individuals need to move quickly and be aware, and the catering industry is no different. In 2019, more and more concepts and areas of hospitality are becoming driven by the use of technology. Customers are wanting more and more options and hassle-free experiences. The catering industry must expand and develop with the rest of the world, as getting left behind could be detrimental.

Foodies want concepts like on-premise personalised experiences, advanced payment options, stress-free ways of buying goods plus time saving options. This could be anything from the self-scan check out in a supermarket, contactless card payment in a restaurant or ordering food from an app in a certain eatery. Despite the advancement in technology, restaurants and many catering facilities are still largely driven by human interaction, so there are many questions about the direction for the future.

Most people visiting a restaurant or catering outlet go to take advantage of the convenience of having food served immediately or to feel looked after whilst enjoying a meal out. The type of catering places that people visit for convenience may be the ones that are using technology to help them grow. Making things easier could ultimately encourage more customers. If people understand that their experience is going to become even less demanding, then this could be seen as a good investment for a business.

What customers expect when they visit an eatery is constantly changing. Technology in this case can help the industry to stay relevant and compete. Satisfying customers is a top priority and if your establishment is up-to-date and ahead, then they may be very likely to recommend it to other people. Apps, updated websites, ordering food via tech, contactless payments plus much more will all add to your catering business being viewed as current.

Concepts like JustEat and Deliveroo have somewhat changed the game for the catering industry. These applications are a response to the sector recognising that there is a demand for easier, quicker processes. It now possible for consumers to have any type of food from many eateries delivered to their home. This includes Michelin Star food, plus lots of other restaurants. Technology also makes is possible for people to book a table somewhere without having to even speak to another human. This is all movement in a forward direction, but could it affect those places that still maintain a traditional approach? Only time will tell, but it is clear that technology does and will have a big impact on the catering industry.

Technology aside, it is still very important to choose the right insurance for your catering business. This can be a tricky decision but Catering Insurance have you covered and can provide a solution to suit you and your needs.

To get an insurance quote for your Catering business, please click here or call us free on: 0800 488 0014

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.

By in ,

Food Allergy Information

Catering Insurance

Why is it important to provide food allergy information?

Having an allergy or a food intolerance is not the easiest condition to deal with. Knowing what you can and can’t eat plays a big part in organising a daily routine. Eating out can become a nightmare and a thing of dread, so as a restaurant or take away owner, sticking to the laws and rules of stating food information is important.  

Customers with allergies to certain foods should be able to make informed choices when choosing products, such as a meal in an eatery. According to the Food Standards Agency, as a food business, you must follow the allergen information rules set in EU Food Information for Consumers Regulation (EU FIC). This means that you must provide allergen information to the consumer for both pre-packed and non-prepacked food or drink and handle and manage food allergens adequately. You also need to make sure that your staff is trained about allergens.

Customers with intolerances are often advised to speak with staff about their individual requirements. Alternatively, those serving the customers can ask the group whether anybody has any certain dietary needs that must be followed. If nothing is on offer on the menu that meets allergy needs, a customer can request that a special meal is made for them. If a customer has any doubt about their dietary needs, they will not eat there. As a business owner therefore, it is important not to lose custom over providing food allergy information.

If a mishap occurs where a customer suffers an allergic reaction to the food eaten in your establishment, you could be held liable. This is not what a business owner wants, so ensure all precautions are taken. A claim against your restaurant could increase the price of your insurance.

To get an insurance quote for your Catering business, please click here or call us free on: 0800 488 0014

DISCLAIMER:

All content provided in this blog is for informational purposes only. Catering Insurance makes no representation as to the accuracy or completeness of information on this blog or found by following any link within the article.  The owner will not be liable for any errors or omissions in this information nor for the availability of this information.  The owner will not be liable for any losses, injuries, or damages from the display or use of this information.  These terms and conditions of use are subject to change at any time and without notice.