Catering Insurance

Get the Best Catering Business Insurance

The food business is a tough one with a LOT of competition, labor issues, regulation, and limited ability to scale, but you love it anyway.

You enjoy what you do – helping your customers with the happy times in their lives by serving mouthwatering food. But, what about you? Are you financially sound if something were to happen to your business? Can your business survive a disaster?

Insure your business with this program that caters to those who provide food service for events, such as weddings, parties, and meetings. Here’s everything you need to know about catering insurance. 

Gourmet meal and white wine on a white plate.

Types of Catering Insurance

In the catering business, accidents can hurt your finances in many unpredictable ways. That’s why caterer insurance is a good idea for you if you own a catering business. Here are some types of catering insurance that might be perfect for your specific needs:

  • General Liability Insurance: This type of policy covers third-party bodily injuries and property damage claims. These claims usually include trip and fall accidents and accidental damages to personal property.
  • Product Liability Insurance: This type of insurance can cover your business in case someone gets sick from the food you served. 
  • Inland Marine: This coverage protects your catering business in case your equipment gets broken on the premises. 
  • Cyber Liability Insurance: This policy covers your business in case of a cyber security breach. This type of policy is recommended for all businesses that collect or store information online or on any other device. 
  • Workers’ Compensation Insurance: If your catering business hires employees, this type of policy is strongly recommended. 
  • Catering Insurance One-Day: If you are hosting event, this coverage protects you in case of an accident. 

Read more: Food Truck Insurance Guide

How Much Does Catering Insurance Cost?

Catering insurance cost usually ranges from $27 to $49 per month, depending on the location, whether the business is serving alcohol, payroll, sales, and experience. 

Who Needs Catering Insurance?

Insurance for caterers is usually recommended for all establishments that are primarily engaged in the retail sale of prepared food and drinks. Here are some of the businesses that benefit from catering insurance the most:

  • Cafes
  • Coffee shops
  • Dairy bars
  • Dining rooms
  • Fast food restaurants
  • Grills
  • Pizzerias
  • Restaurants
  • Tea rooms

Catering Insurance Requirements

Having a catering business can be challenging. Unforeseen situations like customers who fall and injure themselves on your premises or get sick because of your food can cause big financial hits to your business. That’s why having the appropriate catering insurance can save your business even in case of minimal business interruption and financial impairment.

Insurance for catering companies is so important that both federal and state governments require businesses to carry certain policies. That said, not only does catering insurance covers your business but it also protects you from government fines. 

Catering Insurance FAQs

How Important is Insurance in Catering Business?

Catering insurance is essential for your business as it covers you if someone gets hurt on the premises, if your customers get sick from your food or drinks, or if your equipment is damaged. 

How Does Business Insurance Protect Caterers?

A good catering insurance policy protects catering businesses from paying the costs related to third-party bodily injuries and damages caused by their work. 

How Can I Get a Certificate of Insurance?

To get your certificate of insurance, you must buy your insurance policy. The best way to do that is to reach out to an experienced insurance specialis and get all the information you need fast. 

We Make Catering Insurance Easy

The best insurance is when you don’t even have to think about it. In case of an unforeseen situation such as injury or property damage, you need an insurance specialist who will help your catering business through a liability issue. We allow you to relax. Just like a good butler, we take care of all the legwork behind the scenes, so our client — you — can focus on your business without worry.

We Get Things Done Fast

You know what it’s like when you pick up the pieces of a job from a bad catering service for a last-minute event, and with insurance it’s the same. When we cover you, we get it right the first time, so you can navigate any crisis stress-free.

The Highest Quality Advice Offered 

We don’t just offer information on insurance. Our clients come to us for help with growing their catering businesses. We are always happy to help.

We don’t just protect your business. We help you grow.

We Take Care of Any Transfers 

Just as it can be uncomfortable when a client calls you 6 hours before a wedding, it’s uncomfortable to change insurance specialists. We take care of everything for you, including the awkward phone call.

If you’re ready to keep what’s important to you safe – and choose an agency that’s more personal, caring, and works for you, click below, and one of our representatives will get in touch with you today.

Are you still confused about catering insurance, or do you need some help with getting a quote for your business? Contact us today and get all the information you need fast and for free! 

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