Catering Insurance in Hawaii

You can save up to 25% in discounts on business insurance.^*

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Smart insurance for catering business in Hawaii

NEXT is 100% dedicated to small businesses and the self-employed. We customize insurance for catering business so you have the coverage you need to protect your business. Coverage packages often include:

General liability
Workers’ compensation
Commercial property

How NEXT helps catering businesses

You can save up to 25% on catering business insurance in Hawaii

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers the risks that affect almost every catering business. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance provides a safety net for catering business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your catering business equipment, inventory and even the building itself if you own it. If your catering business property is damaged due to a covered event, such as a burst water pipe or fire, commercial property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What's the price of catering insurance in Hawaii?

The amount of money you can expect to pay for catering insurance in Hawaii depends on the kinds of risks your business faces, such as:

What kind of work you do
Where you work
The kind of work your employees do
How many vehicles you use for business

Business insurance can cost a catering business in Hawaii about $25 a month for basic coverage.^†

Catering insurance requirements in Hawaii

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Help pay for accidents that cause damage to property that isn’t yours.
Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
Hire employees. Most states require workers’ compensation insurance if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about catering business insurance

Here are some of the most common questions we get about catering business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer catering business insurance in Hawaii?

Yes, NEXT Insurance offers tailored catering business insurance in Hawaii.

Does NEXT Insurance offer Workers' Compensation coverage for catering business in Hawaii?

Yes, NEXT Insurance offers General Liability, Workers' Compensation, Commercial Property coverage for catering business in Hawaii.

How does business insurance protect caterers?

Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A busser accidentally damages counter tops at an event space with your hot pans. The general liability coverage in your insurance package would help pay for repairs.

Accidents that hurt someone

A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

A driver in front of you stops short to avoid a collision and you rear end them with your catering van. Commercial auto coverage will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.