Caterer insurance is insurance designed specifically for the needs of a catering business. Choosing the best catering insurance for your business is crucial because it can protect against financial loss and cover things like an employee damaging a venue’s property or a commercial auto accident on the way to a job.
Insurance experts with the Progressive Advantage® Business Program will get you started with the best catering business insurance for you.
How much does caterer insurance cost?
Your catering liability cost is based on a variety of factors, such as number of employees and business risk. For example, a catering company with fifty employees will have a different cost to insure than one with twenty.
While cost is an important factor when purchasing insurance, choosing the cheapest catering insurance might not get you the coverage you need to properly protect your business. Making sure you’re covered for a range of situations is key.
Basic caterer insurance coverage:
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.
This insurance covers company vehicles, including personal autos that are used for business purposes. Many personal auto policies don't cover losses that occur while the vehicle is being used for work, so commercial auto coverage is important for most catering businesses.
Other caterer insurance you might need:
A BOP combines general liability with property damage coverage and any additional endorsements you choose into one policy.
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 you get a caterer insurance quote for your business. Call us, or get started with a free quote online.