What is chefs insurance?
New food, new places and culinary conquests – every day as a chef is a new and exciting challenge. But although there’s a lot to be said for pursuing your passion for food, being a chef doesn’t come without its own risks. Each day in the kitchen brings forth a unique set of risks to battle, and it’s important to have the right insurance in place to protect against unforeseen accidents.
Why do you need chefs insurance?
At Tradesman Saver, we know that accidents are just a part of running a business, but we also know that while they can’t be avoided, you can protect yourself against them. That’s why we’ve spent the past decade working closely with people in your profession to build a policy that reflects your needs. Tailor your policy even further with our online quote form, and get exactly what you need, when you need it most.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Tradesman Saver’s Public Liability Cover For Chefs
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your chefs business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a chefs business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a chef and you can get your quote online in minutes.
Chef’s Public Liability Insurance
Working as a chef comes with its own unique set of challenges, but after a long day spent running your business, the last thing you want to have to consider is insurance. But, worse still, is that once you sit down and start searching around, the sheer volume of insurance terminology there is to take in can quickly leave you overwhelmed and thoroughly confused. Never fear though – there’s only really one insurance term you need to wrap your head around, and that’s public liability insurance. Public liability insurance, in its simplest form, acts as the backbone to your chef’s insurance policy, covering accidents and mishaps that result in injury to third parties or damage to their property. It provides cover for both clients and members of the public, which means it covers a wide variety of incidents that could occur. It’s definitely the insurance cover you want at your back if things do take a turn for the worst.
Despite all your training as a Chef, accidents can, and do, happen. When disaster strikes, you need good quality chef insurance to protect you and your business. See the examples below of where we can come to the rescue:
You’re cooking up a storm at a wedding reception and you’ve taken some of your employees with you to lend a hand. But as one of your employees is emptying out a pan of boiling water, the pan slips and it ends up going all over them, scalding them quite badly. They decided to seek compensation from you. This is the sort of situation where you’ll be glad of your employer’s liability insurance – your insurer will cover the costs of the compensation for you, so you can focus on the task at hand.
You’re working as the chef at a function, but during the course of the function, some of the guests start being violently sick. It’s found that the cause is likely food poisoning and the affected guests choose to claim compensation against you. Your public liability insurance will save your bacon here – it’ll cover the costs of the compensation for you, so you don’t end up paying for it from your own pocket.