Catering Insurance Prepared Specifically for Small Businesses
Whether you’re making desserts or preparing meals, managing a catering company takes serious passion and countless hours. You work hard to offer your catering services, and we work hard to make sure you’re protected.
Who Needs Catering Business Insurance?
Our catering and restaurant insurance protects:
- Wedding and event caterers
- Corporate caterers
- Concession caterers
- Banquet halls with catering staff
Common Caterer Insurance Coverages
If you’re wondering what kind of coverage you need as a caterer, starting with a Business Owner’s Policy (BOP) can be a good idea. It includes:
- General liability insurance: Helps protect your catering business from claims that it caused bodily injury or property damage to others.
- Commercial property insurance: Helps protect your owned or rented building, tools, equipment, and inventory used to operate.
- Business income insurance: Helps replace lost income if you can’t operate because of a covered property loss.
How Much Is Catering Business Insurance?
Catering business insurance costs vary because every small business is unique. On average, our customers paid about $67 a month for general liability insurance and about $85 a month for a BOP. Insurance companies use different factors to determine costs, which can include:
- Type of business
- Number of employees
- Revenue
- Location
The best way to find out how much insurance will cost for your catering company is to get a quote.
Covering Your Catering Operations
Chances are, you work with fire and hot surfaces in your daily business operations. Accidents happen more than you’d expect. With the right insurance for catering businesses, you can have peace of mind knowing your catering company is protected from fires, theft, and other covered events.
Event Fire
General liability coverage can help pay for property damage you may cause at a client’s home. It can also help cover claims of bodily injury, medical costs, and reputational harm.
Customer Intoxication
Liquor liability insurance for catering can help protect your business from legal fees if customers are injured or cause damage because of the alcohol you’ve served them.
Covering Your Catering Business’ Property
Most caterers need up-to-date kitchens and expensive equipment to make their jobs possible. From special stoves to delivery vehicles, you’ve invested a lot to run your catering company. We’re here to help keep you covered with catering insurance that has your back. Whether you’re prepping a meal or heading to deliver an order, we have the kind of coverage you need to stay protected.
Auto Accident
Commercial auto insurance covers you and your employees on the road if you drive a business-owned vehicle for work.
Property Damage
Commercial property insurance can help protect your business’ property from fire, theft, and other covered losses.
Covering Your Catering Business’ Team
Your job isn’t just about making good meals. From cutting and slicing to lifting and serving, we know there are many risks you face on a daily basis while running your catering company. To help protect your business and staff, you need the kind of catering insurance you can be confident will keep you covered.
Injured Employee
If you have an employee with a work-related injury or illness, workers’ compensation insurance can help pay for their medical care and replace their lost wages.
Employee Lawsuits
Employment practices liability insurance can help cover claims of wrongful termination, discrimination, and retaliation.
Catering Insurance That Has Your Back
We’re an insurance company that prides itself on really knowing the people we work with. We understand your passion and the risks you face. That’s because we work hard to know the ins and outs of your industry so we can serve you best.
