Business Insurance for Caterers

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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.

A caterer putting a finishing touch on a cake.

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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 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

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

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 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

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

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What our customers are saying

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

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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