The Catering Business can involve a lot of risks. Caterers work on other businesses property and perhaps even in their kitchens, and rely on supplies and other vendors to furnish the necessary items to provide food. With so much happening- between supplying food, preparing it, transporting it, and serving it to customers- much can unexpectedly go wrong. All of these variables put you at risk, so it is a good idea to make sure your are covered against possible problems with catering insurance
Chances are you work with fire and hot surfaces inyour daily operations. Your business needs protection from fire, theft and other covered events.
Liability GL insurance helps pay for property damage you cause at a client's home. It could also help cover claims of bodily injury, medical costs and reputational harm.
Liquor liability insurance for catering businesses can help protect your business from legal fees if customers are injured or cause damage because of the alcohol you served them.
Catering Insurance Policy Features
If you have employees, you need workers compensation coverage, and of course your own equipment should be covered. General liability coverage exists as well, to cover any damages you might cause (such as your heating units catching the building on fire).
If you serve alcoholic beverages you will need coverage for that as well, as there are more risks and exposure when alcoholic beverages are involved in to a business.
As a business owner, you will need coverage for yourself to take care of loses you might incur due to lost income. Mechanical breakdown, storms, and vehicle trouble are just a few things that could negatively affect your ability to render your catering services.
For a food services industry, liability is always a concern. Lawsuits arising from food poisoning (due to negligence or from mistakenly serving contaminated food) can cause a modest business with irreparable harm. A general small business liability policy will cover the basics, but there are other liabilities such as using a vehicle you don't own, having employees use those vehicles, and accidently damaging property when providing your services
Call our agency today to find out what the best catering insurance policies are available for your situation. Our professional staff will guide you through the process of making sure you are covered for anything that might arise in your catering business. Existing customers can call our office for an update, and new customers can call to find out what we have available to fit your catering insurance needs.