Next Insurance

Catering Insurance in Minnesota

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

Catering insurance
Catering insurance in Minnesota designed to protect your business

Catering insurance in Minnesota designed to protect your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to catering business in Minnesota so you are always protected against unpredictable events. The most common insurances packages bought by  catering business in Minnesota include:

  • General liability
  • Commercial property

You can save up to 25% on catering business insurance in Minnesota

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
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Easily find a custom Minnesota catering insurance package that's right for you
NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your catering business in Minnesota.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance is included in most business insurance packages, including catering business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Property

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 it cost to get catering insurance in Minnesota?

How much does it cost to get catering insurance in Minnesota?

The exact amount that a catering business can expect to pay for business insurance depends on a number of factors, including:

  • The kind of work you do
  • How many employees you have
  • How long you’ve been in the industry

Business insurance typically costs a catering business in Minnesota about $17 each month.

You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.

What are the catering insurance requirements in Minnesota?

What are the catering insurance requirements in Minnesota?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

  • Hire people. Minnesota business requires workers’ compensation if you have employees.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
  • Meet industry standards and state requirements for a catering business.
  • Grow with your business as you experience fluctuations.

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 Minnesota?

Yes, NEXT Insurance offers tailored catering business insurance in Minnesota.

Does NEXT Insurance offer Commercial Property coverage for catering business in Minnesota?

Yes, NEXT Insurance offers General Liability and Commercial Property coverage for catering business in Minnesota.

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 accidently 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.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Certificate of Insurance

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More professions that are covered by NEXT

Food Truck, Personal Chef, Meat Shop, Grocery Store, Coffee Shop, Catering, Restaurant, Bakery, Food Cart, Farmers Market
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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.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.