Catering Insurance in Michigan

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

Catering insurance
Business insurance designed for catering business in Michigan

Business insurance designed for catering business in Michigan

NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for catering business so you know you’re getting coverage that was designed with you in mind. Insurance coverage for catering business in Michigan often include:

  • General liability
  • Commercial property

How NEXT helps catering businesses

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

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
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
We’ll help you get the business insurance coverage you need in Michigan
It’s all about managing your risk. See the different policies available for catering business in Michigan and save up to 10% when you bundle two or more policies.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
General liability insurance provides financial protection if an accident happens at your catering business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance helps to protect the items you need to run your catering business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much should a catering in Michigan expect to pay for insurance?

How much should a catering in Michigan expect to pay for insurance?

Your catering insurance costs in Michigan will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

A catering in Michigan usually pays about $23 each month for a business insurance policy.

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

It's easy to get business insurance for your catering in Michigan

It's easy to get business insurance for your catering in Michigan

A catering business in Michigan is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

  • Get a quote and buy coverage in less than 10 minutes.
  • Get proof of insurance when you need it with no waiting around.
  • Manage your coverage 24/7
  • Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

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 Michigan?

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

Does NEXT Insurance offer Commercial Property coverage for catering business in Michigan?

Yes, NEXT Insurance offers General Liability, Commercial Property coverage for catering business in Michigan.

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.
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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.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.