Catering Insurance

Catering Insurance

Whether you own a small local catering service or a large corporate kitchen, protect your business with Catering Insurance.

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Zensurance - Caterer

What is Catering Insurance?

Catering Insurance is an insurance policy packaged specially designed to protect caterers against the specific risks and liabilities associated with operating their business.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique, leave it to us to find the best fit for you.

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Restaurant Insurance Coverage

What does it cover?

A comprehensive insurance policy package for caterers typically includes: 

  • Commercial General Liability Insurance: covers costs associated with claims and lawsuits alleging third-party bodily injury or property damage as a result of your business operations.
  • Equipment Breakdown Insurance: covers the costs to repair or replace equipment that has broken down due to an internal cause, such as an electrical or mechanical issue
  • Business Interruption Insurance: covers net income loss if you need to close your business temporarily. In addition to income lost during the time it takes to restore your business to a working state, your employee’s wages and overhead costs, such as electricity and rent, may also be covered. Please note this insurance does not cover pandemics.
  • Product Liability Insurance: covers the costs associated with claims alleging third-party bodily injury or property damage due to a product you serve or sell, including food and beverages.
  • Contents Coverage: covers the cost to replace or repair property, equipment, machinery, etc. in cases of damage due to external factors, such as fire, theft, or flood. 
Restaurant Insurance Requirements

Do caterers need insurance?

Any individual catering events or providing catering services should protect their business with a custom insurance policy package.

We’ve insured thousands of business owners. Some of our clients include: 

  • Social Event Caterers
  • Wedding Caterers 
  • Corporate Event Caterers
  • Concession Caterers
  • Mobile Catering Businesses
Restaurant Insurance Costs

How much does it cost?

For a small- to medium-sized catering business, you can anticipate a starting cost of approximately $800 for liability insurance.

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

The following factors are taken into consideration when determining the best policy options for you: 

  • Years of Experience
  • Types of Services
  • Locations Served 
  • Annual and Projected Gross Revenue
  • Number of Employees

Getting insured is quick and easy!

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Common claims scenarios

contaminated catering food

Problem: Several customers become ill after you accidentally serve contaminated food at an event you catered.
Outcome: Your Product Liability Insurance insurance covers the legal expenses and medical expenses, totaling $32,500.

commercial kitchen unit

Problem: A power surge damages several of your refrigeration units the night before an event.
Outcome: Your Equipment Breakdown Insurance covers the cost to repair the units, totaling $27,000.

catering kitchen with employees

Problem: A fire destroys your catering kitchen, causing you to temporarily move into another one during repairs.
Outcome: Your Business Interruption Insurance covers the income lost, as well as rent and electricity for both kitchens during the time it takes to restore your kitchen, totaling $73,000.

Frequently Asked Questions

Is liquor liability an important coverage for my restaurant?

If you serve alcohol at your restaurant, you may consider adding liquor liability to your insurance policy. You may be held liable if you serve alcohol to a customer who causes an accident, and alcohol is deemed to be a contributing factor in the incident. Restaurant employees are also required to ensure that they do not serve alcohol beyond the point of intoxication, which is a challenging requirement to manage.

Do I need equipment breakdown coverage?

Yes. This is an extremely important coverage for restaurant owners. It protects your business from cases of mechanical and electrical breakdown of major pieces of equipment (e.g., boilers, coolers, refrigerators, air conditioners). The policy covers the repair or replacement of the equipment, and there is also a limit associated with food/drink spoilage. Note that equipment breakdown is not included under property coverage.

Are employee theft and regular theft covered under Crime Insurance?

Crime Insurance protects your business from employee theft including stolen cash and credit card forgery as well as loss of money and securities inside and outside of the premises. Regular theft, however, is included under the property portion of a policy. Ensure that you have both added to your Restaurant Insurance policy.

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