SEVENTH

FUNCTION:
UNDERSTANDING
THE LEGAL ISSUES
 What is risk management
Risk management is the process of identifying,
assessing and controlling threats to an
organization’s capital and earnings. These risks
stem from a variety of sources including
financial uncertainties, legal liabilities,
technology issues, strategic management errors,
accidents and natural disasters.
Insurance
Services
 Catering Insurance
Making delicious dishes and preparing memorable meals for
large crowds takes serious passion and countless hours. You
work hard to run your catering company, and we work hard to
make sure it’s protected.

Who Needs Catering Business Insurance?

Our catering and restaurant insurance can help protect:

•Wedding and event caterers

•Corporate caterers
•Concession caterers
•Banquet halls with catering staff
 Common Catering Insurance Coverage

•General liability insurance- to help protect your business from claims of property
Damage and bodily injury. It can also help cover claims of bodily injury, medical costs and
reputational harm.
 
•Commercial property insurance – which helps cover your business and its physical assets
from fire, theft and other covered damages.
 
•Business income insurance- to help replace any income you lose if you can’t open from a loss,
like property damage.
 
Workers’ Compensation Insurance- also known as workman’s comp or workers’ comp, gives
your employees benefits if they get injured or become ill from their job. These benefits can help:
•Cover their medical care
•Replace most of their lost wages if they take time off from work to recover
•Provide disability benefits
•Give death benefits, like helping pay for a funeral if they lose their life in a work-related
accident
Workers’ comp also has benefits for you, the small business owner. If your injured employee or
their family sues your business, it can help cover your legal costs.
Workers’ or their family sues your business, it can help cover your legal costs.
comp also has benefits for you, the small business owner. If your injured employee

How Does Workers’ Compensation Insurance Work?

If one of your employees gets injured on the job or sick from their work, our workers’
comp insurance can help them recover and return to their job.

Workers’ compensation insurance can help protect your employees if they:

•Trip walking up the stairs in your office

•Develop carpal tunnel
Syndrome from poor typing habits
•Get hurt in a car accident while visiting a client
 Food Safety and Health Sanitation
Why is food safety important?

Food safety is important as it helps to protect consumer from the risk of

food borne illnesses. It also helps to prevent consumers from risks of health
–related conditions such as allergy and even death.

What is foodborne illness?

Foodborne illness (also called food poisoning) is an illness caused by eating

foods that have harmful organisms in them. These harmful germs can
include bacteria, parasites, and viruses. They are mostly found in raw meat,
chicken, fish, and eggs, but they can spread to any type of food.
The Food Standards Agency recommends the 4 C’s as the 4
main things to remember for good hygiene. They are cleaning,
cooking, chilling and cross-contamination.

O CLEANING
O CROSS-CONTAMINATION
O CHILLING
O COOKING
CLEANING
Anything from a fork to a fridge could be defined as ‘food equipment’ and it is
important that all food equipment is in good condition and made of materials
that are easy to keep clean, this includes all equipment that might be used if
you have a mobile food business e.g. a food van.
Make sure that the food area that you are preparing or serving on have been
both cleaned and disinfected.
Ensure all equipment used in the preparation and serving of food is washed
correctly – this includes using the right materials to wash and dry equipment.
To make sure that nothing gets missed there should be a regular cleaning
routine or rota to make sure cleaning is done regularly and systematically.
You (as a food supplier) should ensure your personal cleanliness is also up to
standard too.
Remember – if you don’t clean properly, you might be spreading infection.
CROSS-CONTAMINATION

To avoid cross-contamination you should consider the cleanliness of;

people, surfaces and utensils, storage of food, disposal of waste and the
need to keep pets and pests away from food.
Raw foods should be kept separate from ready to eat foods. If they must be
stored together then make sure that raw meat/fish/eggs or poultry is stored
below the ready to eat foods.
Use separate chopping boards and utensils for raw and ready to eat foods
and make sure they are properly cleaned between uses.
Make sure food is covered until it is ready to serve.
Provide a serving utensil for each different dish to help prevent cross-
contamination.
Indoor bins should be lined, have a lid and emptied and cleaned regularly.
Outdoor bins should also be emptied and cleaned regularly and should not
be overfilled.
 CHILLING
Certain foods, if left out of the fridge, can grow bacteria in room
temperature conditions.
Fridge and freezer temperatures should be checked regularly.
Fridges should be below 5°C and freezers should be below minus
18°C. So if you are transporting food to an event for a short time,
cold food could be taken in suitable containers,(insulated boxes
with cold packs if possible). If it is a longer time, a suitable vehicle
with refrigeration units should be used.
Foods like cold meats, dairy and sandwich fillers should not be left
out of the fridge for more than 2 hours.
It is better to serve small portions at an event and then keep topping
them up if you’re unsure how long the food will be left out for.
COOKING

More often than not, food catering companies

will cook some of the food on site. It is
important that all foods are heated for the
correct amount of time to ensure that it is
cooked the whole way through (it should be
reheated to a minimum core temp of 75°C).
Food thermometers could be used to ensure
that larger pieces
 Types for Catering business license

O Food Establishment license

To operate in any food establishment like Catering, Food license is necessary to have.
Without this license, a penalty will be charged up to Rs 2 lack. General requirements
vary but always include inspecting the facility for state compliance. Ensuring staff has
the proper training for Food Certification is often mandatory as well.
O Alcohol License
It is mandatory for the catering service provider to have an alcohol license if they are
serving them in any event. Obtaining this license can take a lot of time. Generally, the
background is checked before granting the license. Without this license, it is illegal to
serve alcohol in events and can lead to serious consequences.
O Other licenses or permits
However, other permits and licenses may be required by local jurisdictions or state
agencies. Other licenses like Quality Assurance and Health assurance. It is also very
important for the business to obtain because it satisfies the customer mentally when he
will hire the services.
 
1. Food Safety License
2. Health/Trade License
3. Eating House License
4. Environmental Clearance
5. NOC from the Fire Department
6. Signage License
7. Playing of Music in Restaurants.
8. Life License
9. Insurance – Public Liability, Product Liability, Fire
Policy, Building & Asset.
10. Shop and Establishment Act.
11. Nominations under PFA Act 1954 Section 17 (2) and
rule 12 B of the rules 1955
CONTRACT

A catering contract plays an important role in the success of an event.

Whether you’re signing an agreement for a general affair or a more specific
event such as a wedding, the purpose of any catering contract is to spell out
the responsibilities of each of the parties involved.

A Catering Contract is Your Protection

It should include the client’s expectations regarding the food service,
delivery dates, and menu; and your expectations related to fees and
payments. A good contract protects both parties in case something goes
awry, and it is an indispensable part of doing business as a caterer.
 
A catering services agreement creates the foundation for the legal
relationship between the event organizer and the caterer. Some caterers use
their own contract while others draft new ones for each event. Either way,
both parties should carefully review the document before signing it.
THANK YOU!