Food & product liability
Ask about allegations of food-related illness, allergens, and products supplied to clients.
Bring the detail
Prepare menus and food-handling procedures. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Event & premises liability
Discuss off-site service, rented venues, staffing, and contract requirements.
Bring the detail
Prepare kitchen and event locations. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Equipment & transport
Review kitchen assets, portable equipment, stock, and business vehicle use.
Bring the detail
Prepare event sizes and annual revenue. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Food and event activities
Describe preparation, delivery, service and any alcohol involvement.
Revenue and event size
Use consistent turnover, guest numbers and seasonal peaks.
Equipment and stock
Include temporary refrigeration, hired equipment and transit values.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.