CATERING INSURANCE: What Is It & Who Needs It?

Catering Insurance
Image by mrsiraphol on Freepik

Catering business insurance is required whether you own a full-service catering company, provide catering services from your restaurant, or are just starting out as an individual caterer. Caterers work with a diverse range of clients, from wedding planners and event managers to corporate clients and conference directors, and any of them has the potential to become litigious. Furthermore, this blog post will explain catering business insurance, catering insurance companies, costs, catering insurance companies in Texas, and the best catering insurance.

Catering Insurance

Catering is a developing industry where freshly produced food may be served to clients all around. Whether that be from catering a business lunch for five to catering a wedding of 200 guests, the requirement for appropriate insurance is paramount to safeguarding the business financially from risk and damage.

What Are Some of the Risks for a Catering Business?

A catering firm can be susceptible to various sorts of risks, such as:

  • Guest drunkenness when alcohol is served
  • Damage to autos during delivery
  • Damage to property, like a kitchen fire
  • Employee injury

Any company activity is not without its hazards, and although this brief list informs of some possibilities, a decent catering insurance policy will cover the firm from financial harm due to a covered loss.

Why Do I Need Catering Insurance

Catering is essential to the positive outcome of an event, and your client will expect you to provide it. The food must be delicious, arrive on time, and be free of injuries or property damage.

It’s a tall task. If something goes wrong when you’re cooking, you might end up with a tasty dish, but if something goes wrong while you’re catering, you could be in for some serious legal trouble and financial difficulty. You risk losing your personal assets as well as your catering business if an accident occurs without catering insurance.

Accidents and all, a dependable catering liability insurance policy allows you to continue growing your catering business. Catering insurance protects you from accidents and the legal and medical costs that come with them, whether you’re at fault or not.

That’s correct. Clients have the right to sue you, whether or not you did anything wrong. Fortunately, whether you did something wrong or not, a decent catering insurance policy can protect you.

A suitable catering business insurance policy contains both general liability and professional liability coverage. Catering companies are protected from costs associated with third-party bodily harm and property damage caused by their operations by having general liability coverage. Professional liability insurance protects you against accusations of professional negligence or errors, such as failing to properly train your employees on how to serve visitors safely.

What Kind of Insurance Does Your Catering Business Need?

They will create a policy that is tailored to your company’s specific requirements.

#1. Commercial Property

In the event of damage or loss, this can cover your premises, equipment, inventory, and supplies. If a fire broke out in your kitchen, for example, you would be able to immediately replace damaged equipment.

#2. Commercial Auto

Do you have a vehicle fleet to assist with deliveries? If your vehicle is involved in an accident, you may need to hire a car temporarily, and your auto insurance coverage may be able to assist. A replacement vehicle will allow you to continue operating your business and making deliveries!

#3. Business Interruption

In the event of an unforeseeable calamity, such as a fire, your catering firm may be forced to close. This type of insurance can assist with your loss of catering business income, allowing you to continue paying your typical operating expenditures while preparing to reopen your doors for business.

#4. Equipment Breakdown

The equipment you use to make your recipes is one of your most expensive business assets. When equipment breaks down, whether it’s your electric oven, mixer, or refrigerator, it can be expensive to repair. Depending on the cause of the unexpected and unplanned breakdown, equipment breakdown insurance can safeguard your business by helping to cover repair or replacement costs.

#5. Commercial General Liability

Commercial general liability insurance, or CGL insurance, is intended to cover damages for which your company is legally accountable. CGL insurance can help protect you in instances involving bodily injury or property damage to a third party, such as when you or your employees are conducting business off-site. For example, if you’re catering an off-site event like a wedding, the venue would almost certainly request evidence of insurance to ensure you’re covered in the case of an accident caused by your negligence.

Catering Insurance Companies

The following is a list of catering insurance companies:

#1. Next: Ideal for Caterers That Prefer To Conduct Business Online.

This is an online commercial insurance provider. Next provides a simple online application that allows caterers to sign up for insurance in minutes. You can buy company insurance coverage alone or in packages specific to particular industries. Next, customers can easily view and share their certificates of insurance, as well as manage their claims online. Another advantage of Next is that you might save up to 10% if you package the insurance with the insurer.

Next is a wonderful alternative for small business owners who require immediate coverage and like to conduct business online. The following company was created in 2016. However, unlike some similar firms, Next manages its own claims. Be warned that if your catering business has extremely specialized coverage, Next may not be able to supply you with all you require. 

#2. The Hartford: Ideal for Catering Companies Looking For Bop Coverage.

Hartford is an insurance firm that is publicly listed. The company is well-known for its adaptable, adjustable business owner’s policy (BOP).

Many insurers include only general liability and property insurance in a BOP, but Hartford also includes business interruption insurance. This can be very beneficial for catering business owners because it compensates for lost income if they are unable to offer cooking services due to an insurance-covered reason. Hartford’s BOP makes it simple to add on any coverage your company may require at a fair rate.

The Hartford provides a comprehensive selection of insurance coverage options commonly required by catering enterprises. The Hartford offers insurance through an agent or online. If you apply online, you will almost certainly be required to finalize the transaction over the phone with a company representative. The Hartford will not provide coverage to catering companies in Alaska, Hawaii, or New Jersey.

Catering Insurance Cost

The cost of catering insurance can start at a minimum of $25 per month, but the precise amount will be dependent upon individual circumstances and requirements. 

The nature of one’s occupation, the specific workplace, the size of the workforce, and various other variables will influence the formulation of a tailored quotation. Ensuring the provision of precise and comprehensive information regarding one’s business is of utmost significance in order to secure adequate insurance coverage. This practice guarantees that the policy adequately covers any potential claims and facilitates the processing of such claims.

What Are the Coverage and Pricing Options for Catering Insurance?

We offer personalized packages to each customer so that you can get the coverage you need. You only pay for what you require. Catering business operators, like you, often obtain a package of insurance that includes the following coverages:

  • General liability insurance can help protect you if you cause bodily harm or damage to another person or their property.
  • Workers’ compensation can help protect you if your employee suffers a working injury or illness.
  • Commercial property can help protect you if you own a commercial building, lease property, or work from home.

You can explore your options and choose the amount of coverage you want from our Basic, Pro, and Pro+ packages after answering a few basic questions using our online rapid quotation.

Best Catering Insurance 

The following include the best catering insurance companies:

#1. Coverwallet: Best for Comparing Multiple Catering Insurance Quotes From a Single Source

This makes it quick and simple for busy catering business owners to compare multiple insurance prices in one spot. CoverWallet allows you to complete a single application and it checks with its network of insurance providers to provide prices. The entire process usually takes less than ten minutes. CoverWallet is well-known for its:

  • On-the-go insurance.
  • Online applications are quick and simple.
  • Proof of insurance is available at all times.
  • Catering coverage that is adaptable.
  • Premiums that are reasonably priced.

If acquiring and comparing many quotes quickly is essential for you, CoverWallet might be worth a look.

#2. Simply Business: Ideal for a Simple Application Process.

Simply Business was established in 2005. Over 800,000 small business owners now trust it as an insurance product. Simply Business is well-known for its:

  • Making it simple to apply for coverage online or speak with a representative over the phone.
  • You may compare numerous estimates and purchase catering insurance in minutes.
  • Obtaining insurance proof and other documents on the same day.
  • Expert claim assistance is available around the clock.
  • It has a rating of 4.7 based on nearly 40,000 reviews.

Simply Business is the best option if you need catering insurance companies quickly and value a straightforward application process.

#3. State Farm: Best for Coverage Sold Through Insurance Agents

State Farm provides a wide choice of commercial insurance policies, ranging from typical coverage like commercial auto insurance to specialist safeguards that catering firms may require.

If you prefer to get human assistance rather than purchasing coverage online, State Farm may be a suitable fit for your company. State Farm distributes insurance through a nationwide network of insurance agents. (Caterers in all 50 states and the District of Columbia can obtain State Farm insurance.) You can’t buy insurance or get a quote unless you deal with an agent.

State Farm provides limited online capabilities, such as accessing your policy list and paying insurance bills. If you have State Farm coverage, you must contact your agent if you require service or need to file a claim.

Catering Insurance Texas

Texas people adore large things, and parties and festivities are no exception. People in Austin, Houston, and around the Lone Star State want a catering company whose food can handle big appetites with big flavors. This is when you come into play. You have the knowledge, skills, workers, products, supplies, and equipment required to assist your clients in eating until they are satisfied. However, there is one aspect of your business that you may be overlooking.

FLIP offers Texas catering insurance that covers general liability, business personal property, and product-completed operations liability, giving you peace of mind that your company is secure. With FLIP’s no-quote approach, you may buy a reasonable online policy at any time, with 24/7 access to your papers, all through our A+ insurance carrier.

If you own a restaurant in Texas, FLIP can help you protect it with Texas food liability insurance. This insurance can cover food businesses like farmers’ market vendors, food trucks, food trailers, and others.

What Are the Benefits of Catering?

A catering business will manage all aspects of meal preparation, service, and cleanup. Hiring a catering business will save you time and hassle as a host. It takes one thing off your plate, allowing you to focus on other areas of the event that require organization.

What Is Catering in Business?

Catering companies provide off-site food and beverage service for occasions such as weddings, corporate functions, and celebrations. Caterers typically prepare food in advance, bring it to the event site, and serve it to attendees.

What Is the Main Function of Catering?

Caterers are in charge of cooking and serving meals at a variety of occasions. Typical responsibilities include: preparing and storing food safely prior to and during events. All tables and food service areas must be set up with chairs, linens, and dishes.

Who Is a Catering Officer?

The Catering Officer oversees catering services such as quality control on in-flight meals and food cart loading and unloading. He/she assists in the implementation of work processes to address hygiene and quality issues revealed by audit findings.

How Profitable Is a Catering Business?

A thriving catering company is quite lucrative for small businesses in the service and food industries. New catering companies can anticipate making roughly $30,000 per year, whereas established enterprises frequently make $80,000 per year.


  1. 10 Best Commercial Insurance Companies 2023
  2. Cheap Business Insurance Providers 2023
  3. Small Business Health Insurance: Best Providers in 2023


Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like