Public and Products Liability Insurance
The first, and one of the most important types of insurance to get in place is public liability insurance (PLI or PL insurance). This type of cover can protect you from the cost of defending compensation claims arising from allegations of disease, accidental bodily injury or damage to property made against you by your customers or other members of the public due to your negligence. PL insurance can be combined with products liability, which could cover you against claims arising from using and serving defective food and drink products.
All chefs take hygiene and food regulations very seriously, but sometimes things can go wrong or mistakes can be made. A serious food poisoning, as a result of a dish you prepared, could lead to you being sued for bodily injury and – in some cases – even a loss of earnings. For example, if the customer was a tradesman that fell ill because of the food you served and he was unable to work on a big project and lost future income.
Whether you’re to blame or not, you will still need to defend the claim made against you and legal bills add up fast. Additionally, if the damages claim went against you, you could be saddled with a very expensive compensation claim.
Public and products liability insurance could cover the costs of legal action in addition to potential compensation claim that you had to pay.