Business insurance designed for catering business in Maryland
NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for catering business so you know you’re getting coverage that was designed with you in mind. Insurance coverage for catering business in Maryland often include:
- General liability
- Workers’ compensation
- Commercial property
You can save up to 25% on catering business insurance in Maryland
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need in Maryland
It’s all about managing your risk. See the different policies available for catering business in Maryland and save up to 10% when you bundle two or more policies.
General Liability
Bought by 95% of business owners like you
General liability insurance covers a wide range of catering business accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients and licensing agencies.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance protects employees and catering business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your catering business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does catering insurance in Maryland cost?
Catering insurance costs vary based on the risks that your business faces, such as:
- Where you work
- The kind of work you do
- Your payroll and the kinds of jobs your employees do
Catering business in Maryland typically pays about $17 each month for a business insurance policy.
You can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
What does a catering need insurance for in Maryland?
With business insurance from NEXT, you’ll have the protection you need to get your catering business to the next level. Insurance can help you in many ways:
- General liability coverage helps pay for damage to property that doesn’t belong to you.
- Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
- Workers’ compensation insurance can help cover medical bills and lost wages after a work-related injury. Workers’ comp coverage is usually required by law if you have employees.
- Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event.
Frequently asked questions about catering business insurance
Here are some of the most common questions we get about catering business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer catering business insurance in Maryland?
Yes, NEXT Insurance offers tailored catering business insurance in Maryland.
Does NEXT Insurance offer Commercial Property coverage for catering business in Maryland?
Yes, NEXT Insurance offers General Liability, Workers' Compensation, Commercial Property coverage for catering business in Maryland.
How does business insurance protect caterers?
Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
A busser accidentally damages counter tops at an event space with your hot pans. The general liability coverage in your insurance package would help pay for repairs.Accidents that hurt someone
A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.Workplace injuries
A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
A driver in front of you stops short to avoid a collision and you rear end them with your catering van. Commercial auto coverage will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.