The below Product information applies to new policies only taken out with effect from 13/01/2025, for existing business please see footer.
Our Outside Caterers product provides liability insurance for small to medium-sized businesses, with a flexible panel arrangement and optional covers also available.
£1,500 Tools Cover included as standard
£1,000 Money included as standard
£1,000 Stock and Materials included as standard
Multi-Trades without Referral
Bona Fide Sub Contractors included FREE of charge, for annual payments Up to £100,000
Financial Loss Cover – Up to £50,000 included as standard
Up to £5,000 Event Cancellation Cover included as standard*
*Only available via the Wages and Turnover – Protect and Wages & Turnover Assured Products
For the full Target Market Statement and supporting information please click here
Features and Benefits
- Public & Products Liability – Up to £10,000,000 – (£5,000,000 if any heat work)
- Worldwide Products Cover (Ex USA/Canada) Unsatisfied Court Judgments Cover
- Accidental Discovery of Notifiable Asbestos and Work with Non Notifiable Non Licensed Asbestos (Employers’ Liability Extension Up to £5,000,000)
- Cover Automatically includes temporary manual work on the European Economic Area
- Statutory Defence Costs
- Court Attendance Costs
- Indemnity to other Person(s) and Parties
- Defective Premises Act Defence Costs
- Unsatisfied Court Judgements
- Overseas Business and Personal Liability Cover
- Consumer Protection and Food Safety Acts Defence Costs
- Indemnity to Principals Extension
- Motor Contingent Liability Cover
For further information on Limits and Exclusions please click here to download the policy documentation
Optional Extras
- Employers’ Liability Cover Up to £10,000,000
- Loss of Stock (Up to £25,000) £1,000 (Included as Standard)
- Loss of Money (Up to £10,000) £1,000 (Included as Standard)
- Tools & Business Equipment (excluding plant) £1,500 (Included as Standard)
- Loss of licence (e.g. for mobile bar caterers)
- Deterioration of Stock Cover
- Business Interruption
- Legal Expenses via ARAG £100,000 policy limit (Option to include Employment Tribunal)
Insurer Rating
Insurer Panel
AM Best
S&P
Ascot Group’s Syndicate 1414 at Lloyd’s
Irwell Insurance Company Limited
A+
B++ (Positive)
AA
N/A