Common Caterer Insurance Coverages
If you’re wondering what kind of coverage you need as a caterer, starting with a Business Owner’s Policy (BOP) can be a good idea. It includes:
- General liability insurance to help protect your catering business from claims that it caused bodily injury or property damage to others.
- Commercial property insurance to help protect your owned or rented building, tools, equipment and inventory used to operate.
- Business income insurance to help replace lost income if you can’t operate because of a covered property loss.
How Much Is Catering Business Insurance?
Catering business insurance costs vary because every small business is unique. On average, our customers paid about $67 a month for general liability insurance and about $85 a month for a BOP.1 Insurance companies use different factors to determine costs, which can include:
- Type of business
- Number of employees
The best way to find out how much insurance will cost for your catering company is to obtener una cotización.
Covering Your Catering Operations
Chances are, you work with fire and hot surfaces in your daily business operations. Accidents happen more than you’d expect. With the right insurance for catering businesses, you can have peace of mind knowing your catering company is protected from fires, theft and other covered events.
Every 23 seconds, a fire department in the U.S. responds to a fire.2
“At a recent wedding, one of the flames underneath our chafing trays set a table cloth on fire, destroying the table and causing some damage to the wall behind it.”
General liability coverage can help pay for property damage you may cause at a client’s home. It can also help cover claims of bodily injury, medical costs and reputational harm.
“Part of catering means serving alcohol at events. Recently, someone attending an event we hosted drank too much and fell. He broke his leg and needed medical treatment.”
Liquor liability insurance for catering can help protect your business from legal fees if customers are injured or cause damage because of the alcohol you’ve served them.
Covering Your Catering Business’ Property
Most caterers need up-to-date kitchens and expensive equipment to make their jobs possible. From special stoves to delivery vehicles, you’ve invested a lot to run your catering company. We’re here to help keep you covered with catering insurance that has your back. Whether you’re prepping a meal or heading to deliver an order, we have the kind of coverage you need to stay protected.
There were over 2.1 million emergency department visits for injuries from motor vehicle crashes in 2020.3
Accidente de Automóvil
“One of my employees was running late and rushing to make a food delivery on time. He ended up running a red light and got into a car accident. Thankfully, he wasn’t injured, but our company van was totaled and the other car was significantly damaged.”
Commercial auto insurance covers you and your employees on the road if you drive a business-owned vehicle for work.
Daños a la propiedad
“Our catering building is in the middle of a business complex. So, when the restaurant next door caught fire, it spread to our location. By the time it was put out, most of our equipment was destroyed and we had to close for over a month.”
Commercial property insurance can help protect your business’ property from fire, theft and other covered losses.
Covering Your Catering Business’ Team
Your job isn’t just about making good meals. From cutting and slicing to lifting and serving, we know there are many risks you face on a daily basis while running your catering company. To help protect your business and staff, you need the kind of catering insurance you can be confident will keep you covered.
For every 100 full-time employees, there were 2.5 nonfatal injuries and illnesses in the food services industry.4
“At a wedding last year, one of my wait staff pulled a muscle in his back while carrying items off the truck. He ended up needing weeks of physical therapy to recover.”
If you have an employee with a work-related injury or illness, el seguro de compensación para trabajadores can help pay for their medical care and replace their lost wages.
“One of my newest employees kept showing up late for weeks. After countless warnings, I made the decision to let her go. The next thing I know, she filed a lawsuit against my business.”
Employment practices liability insurance can help cover claims of wrongful termination, discrimination and retaliation.
Catering Insurance That Has Your Back
We’re an insurance company that prides itself on really knowing the people we work with. We understand your passion and the risks you face. That’s because we work hard to know the ins and outs of your industry so we can serve you best.
Find out more about other food service professions we insure:
Last Updated: November 14, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
2 National Fire Protection Association, “U.S. Fire Problem”
3 U.S. Centers for Disease Control and Prevention (CDC), “Transportation Safety”
4 U.S. Bureau of Labor Statistics (BLS), “Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”
Divulgaciones adicionales a continuación.