Who Needs Catering Business Insurance?
Our catering and restaurant insurance can help protect:
- Wedding and event caterers
- Corporate caterers
- Concession caterers
- Banquet halls with catering staff
Common Catering Insurance Coverages
If you’re wondering what kind of coverages you need as a caterer, you should start with a Business Owner’s Policy (BOP):
- General liability insurance to help protect your business from claims of property damage and bodily injury.
- Commercial property insurance which helps cover your business and its physical assets from fire, theft and other covered damages.
- Business income insurance to help replace any income you lose if you can’t open from a loss, like property damage.
Event Fire
“At a recent wedding, we set the hot food up and moved to the kitchen to prepare the salads when we smelled smoke. One of the flames underneath our chafing trays set a table cloth on fire, destroying the table and causing some damage on the wall.”
General liability insurance can help pay for property damage you cause at a client’s home. It can also help cover claims of bodily injury, medical costs and reputational harm.
Customer Intoxication
“Part of catering means serving alcohol at events. Recently, someone attending an event we hosted drank too much and fell. He broke his leg and needed medical treatment.”
Liquor liability insurance for catering businesses can help protect your business from legal fees if customers are injured or cause damage because of the alcohol you served them.
Auto Accident
“One of my employees was running late and rushing to make our food delivery on time. He ended up running a red light and got into a car accident. Thankfully he was okay, but our company van was totaled.”
Commercial auto insurance is important for covering your catering vehicles, like vans, if they’re in an accident. This insurance can also help cover bodily injury and property damage resulting from a car collision.
Property Damage
“Our catering building is in the middle of a business complex. So, when the restaurant next door caught fire, it spread to our location. By the time it was put out, most of our equipment was destroyed and we had to close for over a month.”
Commercial property insurance can help protect your business’ property from fire, theft and other covered losses.
Injured Employee
“At a wedding last year, one of my wait staff pulled a muscle in his back while carrying items off the truck. He ended up needing weeks of physical therapy to recover.”
If you have an employee with a work-related injury or illness, workers’ compensation insurance can help pay for their medical care.
Employee Lawsuits
“One of my newest employees kept showing up late for weeks. After countless warnings, I made the decision to let her go. The next thing I know, she filed a lawsuit against my business.”
Employment practices liability insurance can help cover claims of wrongful termination, discrimination and retaliation.
Find the Best Catering Insurance for Your Business
From food safety to liquor liability, your catering business faces many risks. But we’re here to help cover them.
More Answers to Frequently Asked Business Insurance Questions
1 National Fire Protection Association (NFPA), “U.S. Fire Problem.”
2 Centers for Disease Control and Prevention (CDC), “Motor Vehicle Injury.”
3 Bureau of Labor Statistics, “Injury and Illness Rates Higher in Special Food Services Than in Broader Food Services Industry.”
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