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 catering businesses.
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.
What does Catering Insurance 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.
Who needs Catering Liability Insurance?
Any individual catering events or providing catering services should protect their business with a Catering 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
How much does Catering Business Insurance 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!
If need liability insurance for your catering business, start your application today!
Common scenarios where Catering Insurance is useful
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.
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.
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 about Restaurant Insurance
What our customers friends say about us
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Getting business insurance shouldn’t be complicated!
At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!
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