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Why do caterers need insurance?
As a caterer, you’re always on the move. As such, you’re used to planning for the unexpected. Catering business insurance fulfills that same goal by guarding against the costs of personal injury lawsuits, food spoilage, and other incidents anywhere you go.
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What types of business insurance do caterers need?
These policies provide coverage for the most common risks of catering.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's a popular policy for caterers, and often one of the most economical options.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for catering businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs
General liability insurance
This policy covers common catering services risks, including customer injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Commercial auto insurance
This insurance for mobile catering businesses helps pay for legal expenses and property damage when a vehicle gets in an accident. It also covers theft and repairs due to weather or vandalism.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Repairs due to vandalism or weather
Liquor liability insurance
This insurance covers the cost of property damage and bodily injuries caused by an intoxicated patron who was served by your catering company.
BEST FOR
- Injuries caused by intoxicated patrons
- Property damage caused by intoxicated patrons
- Legal fees for liquor liability lawsuits
Cyber insurance
This policy helps catering businesses recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does catering insurance cost?
A small catering business will pay less for commercial insurance than a larger company.
Factors that affect the cost of small business insurance include:
- Products and services offered
- Business property and equipment
- Business income
- Business operations
- Types of insurance purchased
- Policy limits and deductibles
How do I get catering insurance coverage?
It's easy to get catering insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your catering business, whether you work independently or hire employees.
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