Catering Insurance
Coverage for the many moving parts of a catering business.
The catering business involves a lot of risk. Caterers work on other businesses' property — sometimes in their kitchens — and rely on suppliers and vendors to furnish what they need. Between sourcing, preparing, transporting, and serving food, much can go wrong.
All of these variables put you at risk, so it's a good idea to make sure you're covered against possible problems with catering insurance.
Coverages
Risks
You likely work with fire and hot surfaces daily. Your business needs protection from fire, theft, and other covered events.
General Liability
Helps pay for property damage you cause at a client's home, plus claims of bodily injury, medical costs, and reputational harm.
Liquor Liability
Helps protect your business from legal fees if customers are injured or cause damage because of alcohol you served.
Policy features
Workers' compensation
If you have employees, you need workers' comp coverage — and your own equipment should be covered too.
Liquor coverage
If you serve alcoholic beverages, you'll need coverage for the added risk and exposure.
Business income
As an owner, you'll want coverage for lost income from mechanical breakdowns, storms, and vehicle trouble that could affect your ability to serve.
Food safety
Lawsuits arising from food poisoning or contaminated food can cause serious, even irreparable, harm to a catering business — the right coverage helps protect you against those claims.
Non-owned vehicles
If you or your employees use a vehicle you don't own for the business, you need coverage for that added exposure.
Frequently asked questions
Why does a catering business need insurance?+
Caterers work on others' property, handle fire and hot surfaces, and serve food — all of which create liability, property, and food-safety exposures.
Do I need liquor liability coverage?+
If you serve alcoholic beverages, yes — liquor liability protects your business from legal fees if customers are injured or cause damage due to alcohol you served.
What does catering insurance include?+
General liability, liquor liability, property coverage, workers' compensation for employees, and business income protection.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.