A robust insurance setup for caterers should include:
- General Liability Insurance – protects against claims of bodily injury (e.g. slips or burns) or property damage during events.
- Product Liability Insurance – covers claims due to foodborne illnesses or allergic reactions.
- Commercial Property or Business Owners Policy (BOP) – protects kitchen, equipment, and event supplies; BOP often includes business interruption.
- Commercial Auto Insurance – required if using vehicles to deliver food and equipment to events.
- Workers’ Compensation Insurance – mandated in most states for any employees to cover injuries during food prep or setup.
- Liquor Liability Insurance – essential if you serve alcohol at events, covering damages or injuries tied to intoxicated guests.
These coverages protect caterers from food‑related claims, physical accidents, and equipment loss on and off‑site.
