Catering insurance that's made for your West Virginia business
We’re dedicated to helping you get the catering insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for catering business in West Virginia include:
- General liability
- Workers’ compensation
- Commercial property
You can save up to 25% on catering business insurance in West Virginia
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 West Virginia
It’s all about managing your risk. See the different policies available for catering business in West Virginia 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 helps to make sure workers are taken care of if they’re hurt on the job, while also protecting catering business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.
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 insurance covers catering business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Cost of catering insurance in West Virginia
NEXT makes sure that a catering in West Virginia gets the right coverage for the most competitive rates. Policies are customized for you based on:
- Your work experience
- Your claims history
- How many employees you have
A catering business in West Virginia can pay as little as $17 each month for business insurance.
Your catering business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.
What does a catering need insurance for in West Virginia?
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 West Virginia?
Yes, NEXT Insurance offers tailored catering business insurance in West Virginia.
Does NEXT Insurance offer General Liability coverage for catering business in West Virginia?
Yes, NEXT Insurance offers General Liability, Workers' Compensation, and Commercial Property coverage for catering business in West Virginia.
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.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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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.