Business Insurance for Caterers

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Save money by comparing business insurance quotes for caterers

As a caterer, you’re always on the move. That means increased risk for your business property – plus your catering vehicle needs protection, too. With the appropriate policies, you’ll gain protection against incidents anywhere you go.
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One application, multiple quotes

Insureon helps caterers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do caterers need?

These policies provide coverage for the most common risks of catering.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. It’s a popular policy for caterers, and often one of the most economical options.

BEST FOR
  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Required in almost every state for catering businesses with employees, workers’ comp can help cover medical fees and lost wages for work-related injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

This policy covers common catering risks, including customer injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.
BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy helps pay for medical bills and property damage when a catering vehicle gets in an accident. It also covers vehicle theft and repairs due to weather or vandalism.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Liquor liability insurance icon

Liquor liability insurance

This policy covers the cost of property damage and bodily injury caused by an intoxicated patron, as well as a caterer's legal fees.

BEST FOR
  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal fees for liquor liability lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for caterers?

Woman calculating costs in front of box of food and drink.

Several factors will have an impact on insurance costs, including:

  • Catering equipment and property
  • Catering services offered
  • Revenue
  • Location
  • Number of employees
View Costs
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Why do caterers need insurance?

Catering is a tricky balance of providing delicious dishes at venues that sometimes have limited facilities. As such, you’re used to planning for the unexpected. Business insurance fulfills that same goal by guarding against lawsuits from customer and employee injuries, food spoilage, damaged equipment, and other incidents.

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