Business Insurance for Caterers

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Caterer

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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 right policies, you’ll gain protection against incidents anywhere you go.

A caterer holding a tray of hors d'oeuvres.

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

What types of business insurance do caterers need?

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

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

Most states require workers' comp for catering businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

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

This policy helps pay for legal expenses 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

This policy covers the cost of property damage and bodily injury caused by an intoxicated patron who was served by your catering company.

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.

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.

How much does business insurance cost for caterers?

Owner of a food and beverage business calculating costs.

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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