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Getting A Better Understanding Of Insurance for Catering Professionals

catering business insurance

Operating a catering company comes with substantial risks that can jeopardize your business success. 

From food safety mishaps to customer incidents and property damage, caterers face considerable daily liability risks. That’s why purchasing the right insurance is critical to protecting your venture.

But what policies should caterers prioritize, and what coverages are vital to operate legally and safely?

Does your cooking license provide you with the coverage you need?

While a food service license is mandatory to operate legally, it does not offer any protection or pay legal costs if you are sued. 

Finding an insurance company specialized in customizing catering business insurance can be a game-changing experience.

The Allen Thomas Group is happy to answer your questions and tailor an insurance package that covers your catering business.

Why not get a fast quote now?

Just click on the button below!

Table of Contents

Spice Up Your Catering Business with Insurance Coverages that Pack a Punch

Running a catering business is a dream for you, but it has risks. From foodborne illness to property damage, unexpected mishaps can leave you with a bitter taste. That’s where catering insurance comes in.

What if I’m doing only small events? The size of the event doesn’t change your exposure or liabilities.

Even catering small weddings, birthday parties, or corporate lunches comes with risks like food illness, property damage, and injury incidents. 

Remember, even the most careful caterers can face risks out of their control, like venue issues, employee mistakes, and guest behaviors leading to incidents.

Insurance protects you when the unexpected occurs. 

Proper commercial insurance coverage protects your business from liabilities that threaten your reputation.

With that said, lets get into some of the most critical coverages we help craft for caterers

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Commercial General Liability Insurance


A guest trips over your equipment and sprains their ankle. Unless you have general liability insurance, you are liable to pay for all the expenses.

General liability coverage is your shield against claims of bodily injury or property damage caused by your business operations. It covers legal fees, medical expenses, and settlements, saving you from financial indigestion

Professional Liability Insurance


Professional liability insurance protects professionals from potential legal claims made against them for errors or omissions in their work.

It is essential for professionals who provide services to clients, such as doctors, lawyers, and accountants, as it can cover legal fees, settlements, and damages awarded in lawsuits.

Business Interruption Insurance


What if a food poisoning outbreak forces you to close shop temporarily? 

Business income insurance reimburses you for lost income if a covered event, like a natural disaster or foodborne illness, disrupts your operations.It keeps the bills paid while you get your kitchen back in tip-top shape. 

Workers' Compensation Insurance


Employees are the heart of your business, so protect them!

Workers' compensation insurance provides employees medical care and lost wages if they get injured or fall ill on the job. It ensures your team is taken care of and avoids costly lawsuits.

Commercial Auto Insurance


A caterer transporting food, beverages, and equipment to events must have commercial auto coverage. It protects your business if one of your catering vans is involved in an accident while you're catering. 

Collision insurance covers vehicle damage, while liability coverage handles bodily injury and property damage to others if your employee causes an accident. 

You also need insurance for the expensive catering equipment you rely on. An inland marine policy pays to repair or replace items like industrial ovens, serving platters, linens, and utensils that are lost, damaged, or stolen at an event. Protect your mobile assets and operations with customized commercial auto and inland marine catering insurance.

Commercial Property Insurance


Imagine a fire engulfing your kitchen, destroying your precious equipment. Or what will you do if your property is damaged due to an unforeseen circumstance?

Here, commercial property insurance comes in as a shield for your physical assets, like equipment, furniture, and inventory, in the event of unforeseen situations like fire, theft, or weather damage. It helps you get back on your feet and keep the culinary show rolling.

Commercial Umbrella Coverage


Think of umbrella insurance as an additional layer of protection that kicks in when your primary insurance policies reach their limits.

This type of insurance offers excess liability coverage, acting like a financial superhero when faced with major claims that could cripple your business.

This is especially true if a guest who breaks their arm at a wedding sues you for a much higher amount than your general liability policy covers.

Umbrella insurance swoops in to save the day! It covers the remaining lawsuit amount, preventing your business from financial ruin.

Product Liability Insurance


Foodborne illness and product liability coverage can help cover legal costs and damages if someone gets sick from food prepared by your company.

The specific coverages and amounts you need will depend on the size and type of your catering business. Consult a reputable insurance agent to create a customized catering insurance policy that's just right for your culinary journey.

Liquor Liability Insurance


Clinking glasses can sometimes lead to clinking lawsuits, especially if alcohol is involved.

Liquor liability insurance shields you from claims if someone gets injured or causes damage after consuming alcohol served by your business. It's essential if you offer alcohol at an event.

catering insurance coverage
Smart And Easy Insurance Solutions

Get Affordable Insurance Designed for Your Business

best catering insurance cost

As an independent agency, we have relationships with top-rated catering insurance carriers. 

This allows us to shop multiple options to get you the most appropriate insurance wherever you do business at the best price. 

How much does catering insurance cost?

Well, caterer insurance cost depends on several factors, including:

  • Years in business
  • Number of staff 
  • Annual sales 
  • Types of events catered
  • Location

We’ll gather details on your unique operations to offer catering business insurance products tailored to your specific needs at competitive rates. 

Find out today why culinary professionals nationwide trust The Allen Thomas Group for their catering insurance needs. If you have any doubts about coverage, let our experts know. 

With customized solutions, highly personal service, and over two decades of experience, we have the expertise to protect your catering events. 

Our insurance policies cover you from all types of risks and liabilities.

Getting The Right Insurance For Your Catering Services

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage can be and how it slows down your ability to care for your customers.

Let us help fix it for you in 3 easy steps.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Small Business In Minutes

It Just Takes A Few Clicks

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Questions we get about catering insurance and additional insured

Catering business insurance is crucial as it covers potential risks and liabilities like food poisoning, property damage, injuries to staff or customers, and other unforeseen circumstances that could lead to financial loss.

Umbrella insurance provides an extra layer of liability protection by covering costs that go beyond the limits of your basic business liability insurance. This includes large claims or legal actions that could potentially bankrupt a small catering business.

Birthday events can sometimes involve unique risks such as food allergies among guests, accidental damages to rented venues, or issues related to alcohol consumption. These specific coverages ensure the caterer is protected from these potential liabilities.

Catering insurance helps maintain a companies financial stability by providing compensation for covered losses. It prevents businesses from paying out-of-pocket expenses in case of accidents, lawsuits, or unexpected incidents which can be financially draining.

While requirements vary from state to state, most require some form of liability insurance for businesses that interact with the public. However, even if not required, having business insurance is considered best practice given the various inherent risks involved in catering services.

Catering insurance premiums vary by state, years of experience, number of staff, vehicles, revenue, and types of events like weddings vs. corporate parties.

We shop multiple carriers to get caterers the best rates.

Getting insured may seem complicated, but The Allen Thomas Group simplifies the process.

Running a catering service comes with unique risks and liabilities. From food safety and customer incidents to property damage and employee injuries, your business faces a variety of exposures.

That’s why having the right insurance coverage is critical to help protect your catering business. 

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Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best insurance rates for our food and beverage service clients.

Serve with Confidence: Get a Catering Insurance Quote that Sizzles!

Ready to safeguard your catering success? Need business insurance? Get the right catering insurance coverage now.

The first step is getting a quote for catering insurance companies so you know exactly what kind of catering coverage your business needs. 

Contact The Allen Thomas Group at (440) 826-3676  for a free consultation or to get a quick online quote to get affordable insurance for food and catering business.

Our dedicated insurance consultants will explain policy options, provide pricing, and deliver tailored solutions to protect your catering venture.

Partner with specialists who understand your catering risks and can provide customized insurance to help your business stay afloat even in turbulent times.

Get a free quote online for your catering and food business by clicking on the link below.