Caterer Insurance
Liability coverage crafted for food and beverage services.
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What Is Caterer Insurance?
Caterer insurance is a specialized food liability policy designed to protect your catering business from the financial messes that can come with accidents, injuries, or property damage.
From a spilled tray of soup to an oven-scorched venue wall, our policy helps keep your business serving with confidence.
Unlimited Event Coverage
One policy covers you at weddings, festivals, corporate gigs, and more with 365 days of event-approved protection.
Protect Every Plate
Every policy includes product liability to help cover accidents caused by your food, from allergic reactions to foodborne illness.
Insurance On-the-Go
Whether you're in a food truck, private kitchen, food trailer, or pop-up tent, you're protected wherever you plate or pour.
What Type of Insurance Does a Catering Business Need?
Every catering operation is different — your coverage should be, too. Here are the most common coverage types caterers often need to stay protected:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
- Free, unlimited additional insureds
Like a handcrafted menu, we provide an assortment of optional a la carte coverages you can add to personalize your policy! Choose from:
How Much Does Insurance for Caterers Cost?
Caterer insurance starts at just $25.92 per month or $299 per year. Need more coverage? You can easily customize your policy with add-ons like liquor liability or tools and equipment protection.
Food for Thought
The most common claim we see from catering companies is damage to rented spaces, averaging $4,300 per incident. Insurance helps keep that kind of check off your plate!
Caterer Liability Insurance Coverage Limits
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of an accident at your business location, caused by your equipment, or your daily operations.
$2,000,000
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your business operations.
$1,000,000
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of the food you serve or products you sell, even after you’ve handed them off.
$2,000,000
This is the total amount your policy may pay out over a year for claims where someone says you hurt their reputation or violated their rights (not physically). That could include things like:
-Saying something that hurts their reputation (slander or libel)
-Accidentally using someone else’s ad idea
-Wrongful eviction or entry
-Holding someone without cause
-Malicious prosecution
$1,000,000
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Good news: there’s nothing you have to pay out of pocket before liability coverage kicks in.
NO DEDUCTIBLE
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Also known as inland marine insurance, this is the most your policy may pay (per incident / per year) to repair or replace stolen or damaged gear, equipment, or supplies (excluding items attached to your trailer or vehicle).
$5,000/$10,000
If you file a claim for damaged or stolen equipment, this is the amount you’ll need to pay before your insurance helps cover the rest.
$250
Questions About Insurance for Caterers
What Does General Liability Insurance Cover for Caterers?
General liability insurance covers injuries or property damage caused by your business, like slips, spills, or venue damage.
From plating hors d’oeuvres in a ballroom to grilling kebabs from a food truck, general liability can cover you for common claims your business may face!
Do I Need Product Liability Insurance if I Only Cater Events Occasionally?
Yes, you absolutely need product liability insurance if you only cater events occasionally! Lucky for you, it’s automatically included with general liability insurance on our catering policy.
Even one event can lead to claims from food-related incidents like illness or allergic reactions. Most short-term event policies only offer general liability, and this coverage alone will not cover any accidents related to the food you serve, making product liability a key coverage for any catering business.
Are My Employees Covered Under My Catering Insurance?
No, your employees are not covered under your catering insurance for workplace injuries or illnesses. You’ll need workers compensation insurance to cover your employees for these types of claims.
Catering insurance may only cover accidents caused by your employees, such as a patron tripping over condensation left on the floor or an employee mistakenly pouring grease down a rental kitchen’s drain.
Do I Need Additional Coverage for Off-Site Catering Events?
Yes, you may need additional coverage for off-site catering events, like:
- Inland marine coverage for theft or damage that occurs to your tools and equipment
- Liquor liability coverage for any alcoholic beverages you serve
- Food trailer endorsement to cover a mobile food trailer when it’s parked and detached
- Excess liability to raise your policy’s limits to meet a venue or event’s requirements
Additional coverage allows you to customize your policy to your business and get the protection you need to focus on what you do best: catering!
Why Do I Need Caterers Insurance?
You need caterers insurance to:
- Meet event or venue requirements
- Cover the cost of claims and lawsuits
- Show proof of insurance for contracts
- Name additional insureds on a policy
Without insurance, a single claim could drain your savings or shut down your business. Insurance gives you the protection you need so you can focus on the food.
Choosing the right insurance is critical.
Coverage You’ll Love From Brands You Trust!
We’ve teamed up with Food Liability Insurance Program (FLIP), one of the most trusted catering insurance companies, to bring you customizable, affordable coverage through Insurance Canopy. Enjoy top-rated protection and access to FLIP’s exclusive trailer endorsement coverage today!