Mobile catering insurance quote Ireland (2026)
Mobile catering insurance in Ireland is a multi-broker market — no single insurer dominates, and quotes for the same operator can vary by €600+ annually between brokers. This guide covers what you actually need (public liability €6.5M+, product liability, employers' liability, motor + transit, equipment cover), what each broker is best at, and the typical 2026 Irish premium ranges. Most Irish food trailer operators end up renewing year-on-year with the first broker they sign with — getting the initial quote right matters.
What cover an Irish food trailer actually needs
Public liability €6.5M+ (€10M for festival work — Electric Picnic, Indiependence, Forbidden Fruit all require it). Product liability covering food-poisoning claims. Employers' liability if you hire anyone (even seasonal). Motor + transit insurance covering the trailer in tow + any service-vehicle. Equipment cover for the espresso machine, fryer, refrigeration. Income protection is optional but worth considering for sole traders — a 4-week trailer-down period can break a cashflow.
Bizbroker (bizbroker.ie)
Specialist mobile catering broker since 2008. Strongest on full-package commercial cover for established operators. Typical 2026 premium for a 2-year-old food trailer with €10M public liability + equipment + transit: €1,200–€2,400/year. Online quote available — turn around 2–3 working days. Good fit for: medium-volume operators with €40k+ of equipment.
Bollington Insurance (bollington.com Ireland desk)
UK-headquartered broker with active Irish trade book. Specialist coverage for food trailers, coffee vans, mobile bars. Typical 2026 premium: €1,000–€2,200/year. Strong on first-year-operator deals + festival vendor packages. Online quote with telephone follow-up. Good fit for: new operators starting up + festival circuit specialists.
Brady Insurance (bradyinsurance.com)
Irish broker, Galway-based. Mid-market commercial cover with personal-service relationship model. Typical 2026 premium: €1,100–€2,000/year. Strong on multi-vehicle operators (truck + trailer + service van). Phone-only quote process — slower but more bespoke. Good fit for: operators who value direct relationship.
Aviva trade / Allianz trade — direct programmes
Both major insurers run direct food-trade schemes. Aviva trade includes pre-built food-trailer cover (€800–€1,800/year typical). Allianz trade similarly. Cheaper than broker route but less custom — equipment cover above €25k typically needs a broker layer. Good fit for: low-equipment-value operators.
Cornmarket Group (cornmarket.ie)
Irish broker with horsebox + trailer specialism — good fit for horsebox-coffee conversions because the underwriting model already understands the towed-asset shape. Typical 2026 premium for a horsebox coffee trailer: €900–€1,800/year. Online quote.
O'Driscoll O'Neil (odriscolloneil.com)
Cork-based commercial broker, strong in the Munster food-trade scene. Typical 2026 premium: €1,200–€2,200/year. Personal-service model. Good fit for: Munster-based operators wanting a local broker relationship.
Typical premium ranges by operator profile (2026)
New sole-trader food trailer, €15k equipment, weekend trade only: €600–€1,000/year. Established food trailer, €40k equipment, full-year trade + festival vendor: €1,400–€2,600. Multi-trailer business with 2–3 trailers + staff: €3,500–€7,000. Coffee van under €20k equipment, weekday-only trade: €650–€1,200. Premium markup for late-night service (post-midnight) typically 15–25%.
What gets you a cheaper quote
Confirmed FSAI registration + RGI gas cert (insurance underwriters want to see both). Documented HACCP training certificates. Photos of the trailer + serving setup at the time of quote. Three years of clean trading without claims (renewal discount typically 5–15%). Single-fixed-pitch trading (no festival circuit) — festival multi-event cover adds 20–40% to the base premium. Bundle motor + transit + public liability with one broker — typically 5–10% saving vs. splitting between brokers.
Related on Food Trailers Marketplace
Browse Irish suppliers
Find verified Irish suppliers across all 32 counties. Free to browse, contact direct via WhatsApp, email or phone. No commissions, no fees.