Onsite events present unique hazards and need special coverage to protect you and your business. Jump ahead to learn:
Catering liability insurance isn’t one insurance policy. It’s a group of policies that can help protect your business from the unique mishaps that can occur during food preparation, delivery, serving and more. Even if you have restaurant insurance, it might not be sufficient to protect you from an offsite catering or food vending event.
Caterers face a unique set of challenges in the food and hospitality industry, such as:
All of these hurdles of catering are unique to the job. Catering liability insurance can help provide coverage for this specialized field.
Many clients and event venues may require you to share your proof of insurance coverage, also called a certificate of insurance (COI), before they’ll work with you.
If you rent space in a commercial kitchen, you may need different coverage from someone cooking at home or onsite.
Or if you accidentally scorch a countertop during a client’s houseparty, insurance can help pay for repairs or replacement damage — and keep your reputation intact.
It’s important to match your needs with the correct coverage. The premium (or cost) for your catering business will be dictated by:
Catering liability insurance is usually based on a general liability insurance policy. A general liability policy is usually the first insurance a business owner purchases due to its broad coverage.
If you drive to events, you may want to include commercial auto insurance to help protect both your drivers and vehicles during work hours.
In addition to liability insurance, if you have employees, most states require you to carry workers’ compensation insurance. While general liability can offer coverage if an accident injures clients or other non-employees, workers’ comp can help if an employee gets ill or injured on the job. It can help your business pay for medical expenses, lost wages, retraining, permanent injury and more.
Commercial property coverage can help should something happen to your workspace like equipment breakdowns, damage or theft. If you rent a commercial kitchen, your landlord may require you to have this coverage.
Whatever kind of catering business you operate, the key is to get the catering insurance coverage you need, and nothing that you don’t.
You only pay for the coverage you need, and you can see your policy options in less than 10 minutes. A certificate of insurance, along with 24/7 access to your policy, is available as soon as you make a payment.
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