Caterer Insurance

Caterer insurance is insurance designed specifically for the needs of a catering business. Choosing the best catering insurance for your business is crucial as it can protect against a crippling financial loss, covering things like an employee damaging a venue’s property or a commercial auto accident on the way to a job.

With the Progressive Advantage® Business Program, our insurance experts will get you started with the best catering business insurance made just for you and your business.

How much does caterer insurance cost?

Commercial catering liability insurance cost is determined based on a variety of factors, from the number of employees to business risk. For example, a catering company with fifty employees will have a different cost to insure than one with twenty.

While cost is always a deciding factor when purchasing insurance, choosing the cheapest catering insurance might not afford all the coverages you need to properly protect your business. Making sure you’re covered in case a situation arises is key.

Basic caterer insurance coverage:

  • General Liability: This catering liability insurance coverage protects against accidents that can happen while on the job and any resulting lawsuits. For example, while catering a house party a server accidentally breaks an expensive vase. General liability could cover the cost to replace it.
  • Commercial Auto: This coverage covers company vehicles. Even if it’s your personal vehicle, if it’s being used for business purposes you’ll need commercial auto. Many personal auto policies do not cover losses that occur while the vehicle is being used for business purposes.

Other caterer insurance you might need:

  • Business Owners’ Policy (BOP): A BOP combines general liability with property damage coverage and any additional endorsements you choose into one policy.
  • Workers’ Compensation: Workers’ comp covers your employees for any injuries or illnesses that occur at work.

Get what you need in one place

Our in-house agency can help with a caterer's insurance quote for your business. Call us today, or get started with a free quote online.

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