Catering Insurance
Catering Insurance: What You Need to Know to Protect Your Food Business
Running a catering business is exciting, rewarding, and—let’s face it—full of potential risks. Whether you’re serving guests at a wedding, corporate event, or private party, the unexpected can happen. That’s why having the right catering insurance is essential to protect your business, employees, and reputation.
If you’ve ever wondered, “What kind of insurance do I need as a caterer?” — this guide will break it down for you.
What Is Catering Insurance?
Catering insurance is a specialized form of restaurant and food service insurance designed to protect catering businesses from common risks such as foodborne illness, property damage, accidents, and equipment failure.
Unlike fixed-location restaurants, caterers often work off-site, transport equipment, and serve food in unfamiliar environments. This makes catering insurance coverage unique and essential.
Why Do Caterers Need Insurance?
Catering involves high-value risks:
Food spoilage during transit
Property damage at event venues
Accidents during setup or service
Equipment breakdown or theft
Liability from allergic reactions or illness
Employee injuries on the job
Without proper coverage, even a single incident could cost thousands—or put your business at risk.
Types of Catering Insurance Coverage You May Need
General Liability Insurance
Protects against third-party injuries or property damage—essential for any event.Commercial Auto Insurance
Covers catering vans, food trucks, and delivery vehicles used for business.Product Liability Insurance
Covers claims related to food poisoning or allergic reactions caused by your food.Workers’ Compensation Insurance
Required if you employ staff—this covers job-related injuries and medical bills.Business Interruption Insurance
Helps recover lost income if a covered event prevents you from catering.Equipment Breakdown Insurance
Covers the repair or replacement of key kitchen and catering equipment.Property Insurance
Protects your prep kitchen, office, or storage facility from fire, theft, or flood.
If you’re part of a larger food business, franchise restaurant insurance or franchise restaurant insurance programs may also apply.
Enhance Your Business Owner’s Policy with These Additional Coverages
Workers’ Compensation Insurance
In most states, you're legally required to carry workers' compensation insurance to cover employee expenses related to work-related injuries or illnesses, including medical bills, lost wages, and rehabilitation.
Professional Liability Insurance
Professional liability insurance protects you and your business if you're accused of negligence in the services you provided—even if no actual mistake was made. It offers peace of mind by covering legal costs and potential damages, helping you maintain your reputation and financial stability.
Commercial Auto Insurance
Commercial auto insurance covers expenses resulting from an accident when you or your employees are at fault. If vehicles are used for business purposes, carrying appropriate commercial vehicle insurance is essential.
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