Catering Insurance
Custom, fast and always-on coverage for new and existing caterers.
Choose your primary coverage to get started:
Catering insurance designed to protect your business
Catering business insurance is often required by clients. It can help protect you from a variety of common risks, including:
- When things break
- Someone gets hurt or sick
- Legal fees to defend your business
NEXT makes it easy to get the coverage you need and instant proof of insurance to satisfy catering services requirements.
We protect more than 10,000 small businesses like yours in the food and hospitality industry with fast, easy and affordable business insurance that works as hard as you.
Catering insurance can help protect you from:
Theft and vandalism
Property damage
Injury or illness liability
Liquor liability
How NEXT helps catering businesses
General Liability
general liability can help you pay for:
Business Owner’s Policy (BOP)
business owners policy can help you pay for:
Liquor Liability insurance
liquor liability can help you pay for:
10,000 food and beverage business owners trust NEXT
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
So far so good
Marcus K.
No comment
No comment
Lester J.
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ANTHONY E.
Great service
Great service
Antoinette K.
easy peasy
easy peasy
Paula S.
Continent
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 insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Why do caterers need business insurance?
Food and beverage industry insurance requirements vary by state law and the requirements of the venue or event planner. Insurance for your catering business may be necessary to:
- Get new clients. Many event planners and venues require general liability 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. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and the space where you work with a BOP (business owner’s policy).
How much does catering insurance cost?
Your caterer insurance cost (or your monthly or yearly premium) can vary based on a number of factors, including:
- The size of your business
- The value of your catering equipment
- Your headcount and total payroll
- What your employees do
Get a free quote for catering insurance. You’ll know exactly what your business will pay in about five minutes, and you can access your certificate of insurance 24/7.
Resources for Catering Business Owners
We know there are hundreds of things to keep track of when you run a catering business, so we’ve curated these helpful checklists and tips for food business owners to protect and grow your catering business.
Frequently asked questions about business insurance
Here are some of the most common questions we get about catering 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.
How does business insurance protect caterers?
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 could 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 could 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.What do I need to get an insurance quote online?
- Tell us about your business. Share what you do, where you’re located, how many people you employ, and any vehicles you use for work.
- Review your options. Compare recommended coverages and see prices tailored to your business.
- Buy online & get proof instantly. Complete checkout and download your certificate of insurance (COI) on the spot.
