Does catering insurance cover foodborne illness or food spoilage?

Yes! Catering insurance can cover these risks through Product Liability Insurance: 

  • General liability policies typically include product liability protection, providing coverage if a guest falls ill from food served. 
  • This also includes allergen reactions, food contamination, or illness claims traced to your preparation. 
  • Without this coverage, you may face costly legal action stemming from food-related claims. 

These protections are vital for food businesses serving clients at events—they safeguard your reputation and financial stability. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.