Caterer Insurance
Find out what caterer insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need a Catering Insurance Policy?
Crafting unforgettable events with mouthwatering dishes and impeccable service is your specialty. But even the most artfully orchestrated events can sometimes hit a sour note. A spilled tray can ruin a guest’s outfit, a kitchen mishap could spark a fire, or a client may claim the food left them sick. The right insurance policies can help safeguard your catering business, keeping you protected when the unexpected disrupts your carefully curated plans.
What Caterer Insurance Do I Need?
General Liability Insurance
A foundational catering insurance policy to help handle costs from third-party accidents, property damage, and bodily injury.
Equipment and Business Property Insurance
Also known as Inland Marine Insurance, this coverage can financially protect equipment and inventory that is in transport or stored off-site from theft and damage.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Professional Liability Insurance
Coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their clients. It also can cover errors that result in unsatisfactory service.
What Does Caterer Insurance Cover?
From whipping up memorable menus to managing bustling events, catering is as rewarding as it is demanding — and it comes with its share of hazards. We can help you choose the right coverages and policies to protect you from some of the most common ones:
Injury to another person
A guest trips over a catering tray left in the wrong spot, spraining their ankle. Now you’re looking at medical bills and potential legal fees. A general liability policy could help pay for those types of third-party claims, keeping your business out of hot water.
Damage to someone else’s property
During a high-end wedding reception, a server accidentally spills red wine on the bride’s custom gown. The furious client demands compensation for cleaning. General liability insurance could help cover the cost.
Damaged or stolen equipment
You lock your portable ovens and warming trays in your vehicle while you take a short break. When you return, you discover that someone broke into your vehicle and stole your equipment. An equipment and business property policy could help cover the cost to replace or repair the equipment.
Care for sick or injured employees
Your line-cook cuts their hand badly while rushing to plate the main course. Workers’ compensation insurance can help cover medical bills and lost wages as the line-cook recovers.
This coverage is often legally required and protects your business from costly claims, while ensuring your crew gets the care they need. Even if you work solo, workers’ comp is worth considering since some health insurance policies won’t cover work-related injuries.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Catering Insurance Cost?
Try our Caterer Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Caterer Insurance Questions
Do I need a catering insurance policy?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
What determines the cost of caterer insurance?
The cost for your insurance coverage is determined largely by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your office is located, how many years of experience you have, and your annual revenue.
What should I consider before buying caterer insurance?
If you’re thinking of buying caterer insurance, we recommend having the following information on hand when using our caterer insurance calculator:
- State where you do business
- Your type of business or trade
- Annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your office and your tools and equipment, we can help find the coverage you need for your catering business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.