Catering Insurance in West Virginia

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

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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

How NEXT helps catering businesses

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

General Liability

Protection for the injuries, accidents and damage you cause

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 $24 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 (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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 do you file an insurance claim with NEXT?

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

Get customized insurance wherever you do business

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

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant

* 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.