Catering Insurance

You can save up to 25% in discounts on catering business insurance.*

Choose your primary policy to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Caterer insurance could help protect your business from

Theft and vandalism

Burglary or broken glass means that expensive equipment and inventory needs to be replaced fast.**

Property damage expenses

A kitchen fire, burst water pipe or power outage can damage catering equipment and inventory.

Medical fees for Injury or illness

A client or worker asks you to cover medical costs after getting hurt at your event.

Liquor liability

If an intoxicated guest breaks something or causes injuries you could be held liable.

Get insurance for catering companies that’s fast, easy and affordable

ERGO NEXT specializes in small business insurance. Catering business insurance can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in insurance for caterers

Catering operation insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance

Protection for damage to other people's property and injuries to non-employees

General liability insurance (sometimes referred to as catering liability insurance) can help protect your business if a guest gets sick or injured at an event, or if you or your staff accidentally damage a client’s property while setting up or serving.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Commercial Auto insurance

For mobile catering vans, cars, trucks and trailers that drive for work

Most states require commercial auto insurance for business-owned vehicles when you’re delivering food, getting ingredients from the market or traveling to events. This coverage can help pay for medical expenses or property damage if you or an employee are in an accident while driving your work vehicle for work.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation insurance

For employee work-related injury and illness

If you hire employees to help with your catering services, most states require workers’ comp insurance. This coverage can help pay for medical bills and lost wages if you or your staff are injured on the job. For example, if an employee burns their hand in the kitchen or strains their back lifting heavy trays, workers’ comp can help while they recover.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property insurance

For small business owners who own or rent physical spaces

Commercial property insurance coverage can help protect your business property, including your catering kitchen appliances such as ovens and refrigerators, plus uniforms, serving gear, furniture, fixtures and the building space itself. It can also help replace your business income if you need to close for repairs after a covered event.

commercial property can help you pay for:

Damaged equipment and inventory

Lost business income

Some building repairs after a fire burst water pipe or power outage

Liquor Liability insurance

You could be held liable for the accidents of intoxicated guests you’ve served

Catering business owners who serve alcohol could be held responsible if a guest becomes intoxicated and injures themselves, someone else or causes property damage. Liquor liability insurance can help provide financial protection for your business.

liquor liability can help you pay for:

Injuries

Property damage

Legal fees and medical payments

ERGO NEXT Insurance reviews

Very User friendly.

Easy to use software, making commercial insurance easy to understand and issue a policy.

ANGELIQUE T.

COOL & EASY!

Simple process and all insured!

William B.

So far so good

Marcus K.

No comment

Lester J.

ANTHONY E.

Great service

Antoinette K.

easy peasy

Paula S.

Continent

Charles b.

Great service

Good service so far . Reasonably priced , easy to sign up , easy to access documents

Atavia J.

So Far So Good

My old insurance was hassling me on my renewal in November. Threatened to cancel me because they say they did not get payment. I did not get the letter they say they sent telling m...

LARRY G.

Save up to 25% in discounts on catering business insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does catering insurance cost?

Premiums for caterers insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of business you run (corporate, event catering, mobile etc.).
Your catering operations.
Your catering location.
Your number of employees and what they do.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business needs.

How can a catering insurance policy help?

Food and beverage industry insurance requirements vary by state, as well as the requirements of the event venue or event planner. Insurance for your catering business may be necessary to:

Get new clients. Many event planners and venues require general liability coverage or workers’ compensation before they’ll work with you.
Hire employees. Many states require workers’ compensation insurance if you have employees.
Deliver, pick-up or drive for business. Mobile food businesses (including catering vans) typically need commercial auto insurance.
Repair or replace property you own or rent. Commercial property coverage could help protect you after a covered event like a power surge, equipment breakdown or fire.

Catering insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How can business insurance help protect caterers?

ERGO NEXT’s insurance for caterers could help protect your business from a variety of risks. You can be protected from financial losses related to:

Damage to someone else’s property. You or an employee accidentally scratch floors while setting up for an event. General liability coverage could help pay for repairs.

Accidents that hurt someone. A guest requires medical attention after an allergic reaction to your food, or they suffer a burn from your chafing dish. Your general liability coverage could help to pay for medical costs and legal fees.

Injured workers. A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage could help cover medical bills and lost wages if the server is your employee. Workers’ comp is usually required by law if you have employees.

Damage to your own business space or property. A grease fire damages your kitchen. Commercial property insurance could help with replacement or repair costs.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.