Why do I need liability cover for my cookery school?
Liability cover is the most important insurance you can purchase. We offer public, products and employers liability cover as a package.
Public liability covers you and your business against claims made in respect of your legal liability for personal injury or damage suffered by third parties. Within a kitchen you will be using dangerous equipment with hot stoves and knives used and even with the best care in the world accidents do happen, public liability cover will defend you and cover any costs awarded.
We also recommend you include products liability insurance to include poisoning risks and injury as a result of allergic reactions.
Employers liability is a legal requirement if you employ anyone to work for your cookery school, have sub-contractors or volunteers who just help you from time to time. This protects you against claims made in respect of your legal liability for death, disease or injury sustained by an employee during the course of their employment.
What limit of liability do I need?
The level of public liability cover you require will depend on the number of students you have at any one time, the ages of these students and if you have any contract obligations with third parties who impose certain levels of cover to work with them. Our broking team will discuss your business and recommend a level of cover appropriate for you. Liability indemnity ranges from £1,000,000 to £10,000,000 with the option to increase this if required.
Employers liability is a legal requirement in the UK so if you have any employees, sub contracts or volunteers you will need this cover. The legal requirement is £5,000,000 but as a standard rule insurance companies provide £10,000,000 again you can increase this if you require.
I do demonstrations and events can you cover me?
We understand that not all cookery schools offer the same services and that you can be working from home one day, at a purpose-built school the next then demonstrating at a local food festival or offering private cheffing. As such our insurance will cover you anywhere in the UK we can also offer transit cover to cover both your stock and business equipment
I run my school from home so my household insurer covers me?
You must disclose any business use from the home to your insurer and many household insurance companies will not extend your liability cover to include your cookery school. We work with specialist insurers who can offer a policy for your home and cookery school insurance for your business so you can be safe in the knowledge that there are no gaps in cover.
Have we not answered your question? Contact our cookery school team today who will be happy to help with any questions you may have.