Catering insurance
Running a catering business is difficult. Insuring it shouldn't be.
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The joys (and risks) of a catering business
Every day caterers craft appetizers, meals, desserts, and drinks to delight customers and guests at their most significant life events.
Your team handles shopping, ordering, preparation, delivery, and service – yet issues can arise even when you do everything perfectly. Catering insurance is essential to protect your business and your dreams from the risks inherent in the catering industry.
Accidents that could threaten your investments without catering insurance
Without proper catering insurance, claims can take a considerable toll on the financial viability of your business. Here are just a few examples of accidents that could threaten your investments:
Kitchen fire: a small kitchen fire could damage the important and expensive equipment that is critical to running your business. Protecting your property and source of income will help you recover.
Customer property damage: you move equipment and inventory on-site at venues. A customer could claim that you or your staff damaged their property. Without insurance, you would pay for the damage out of pocket.
Delivery driving: your team makes deliveries, and when you’re on the road, sometimes someone might “rush to a job”, run a red light, and cause an accident. Auto-related claims will affect your business.
Workplace injuries: an employee could experience a workplace injury, for example, a back injury while transporting a heavy Cambro. Insurance could alleviate the financial burden of the employee’s medical care.
Mistakes: your team could make a mistake while catering a special event and you could be sued for improperly delivered services. Insurance gives you peace of mind that accidents don’t have to be catastrophic.
Kitchen fire.
Customer property damage.
Delivery driving.
Workplace injuries.
Mistakes.
What kinds of insurance do caterers need?
Because caterers operate in different locations, you are exposed to unique business risks that demand protection beyond standard policies like business owner’s policy (BOP) and workers’ compensation (WC). And regardless if your catering business provides an event-based service, is only a part-time operation, or is a full-time mobile food truck, you will need to definitely include a general liability (GL) policy as well.
Caterers like you need a comprehensive catering insurance plan that safeguards your investments, your equipment, and your personnel, wherever you go. Other types of coverage could include:
How to get catering insurance
You aren’t alone. Despite the many potential accidents that could jeopardize your business, partnering with a trusted advisor who specializes in catering insurance can safeguard your investments. This support allows you to concentrate on what you do best — delighting your customers.
There is no one-size-fits-all solution for any food business. That’s why it’s important to discuss your unique business risks with a commercial insurance agent who has the specific experience needed to help you secure the right coverage.
FAQs for
catering insurance
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Because you operate a unique business, the insurance you need is unique too. A trusted insurance agent will be able to guide you to the right solution that makes sense for your catering business (whether you travel to events or not) and your budget.
Caterers will need foundational insurance products like business owner's policy (BOP), commercial auto, commercial property, general liability (GL), and workers’ compensation (WC) as well as other coverages specifically designed to protect against claims for food borne illnesses or allergies. It’s best to connect with a licensed insurance agent to discuss other specific catering insurance coverages to protect your business.
Standard general liability insurance may not be the only insurance needed to protect caterers that serve alcohol. An experienced agent who knows the catering business will be able to quote the right coverage that includes liquor liability as well as other coverages.
Why choose the Commercial Insurance Center for Catering insurance?
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing business insurance for caterers like you.
By now you understand how important it is for your business to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now at (380) 225-5242 to connect with an agent who has experience providing business insurance for caterers like you.