Caterer insurance could help protect your business from
Theft and vandalism
Burglary or broken glass means that expensive equipment and inventory needs to be replaced fast.**
Property damage expenses
A kitchen fire, burst water pipe or power outage can damage catering equipment and inventory.
Medical fees for Injury or illness
A client or worker asks you to cover medical costs after getting hurt at your event.
Liquor liability
If an intoxicated guest breaks something or causes injuries you could be held liable.
Get insurance for catering companies that’s fast, easy and affordable
ERGO NEXT specializes in small business insurance. Catering business insurance can help protect you, your company and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in insurance for caterers
Catering operation insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Commercial Auto insurance
For mobile catering vans, cars, trucks and trailers that drive for work
commercial auto can help you pay for:
Workers' Compensation insurance
For employee work-related injury and illness
workers compensation can help you pay for:
Commercial Property insurance
For small business owners who own or rent physical spaces
commercial property can help you pay for:
Liquor Liability insurance
You could be held liable for the accidents of intoxicated guests you’ve served
liquor liability can help you pay for:
ERGO NEXT Insurance reviews
Very User friendly.
Easy to use software, making commercial insurance easy to understand and issue a policy.
ANGELIQUE T.
COOL & EASY!
Simple process and all insured!
William B.
So far so good
So far so good
Marcus K.
No comment
No comment
Lester J.
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ANTHONY E.
Great service
Great service
Antoinette K.
easy peasy
easy peasy
Paula S.
Continent
Continent
Charles b.
Great service
Good service so far . Reasonably priced , easy to sign up , easy to access documents
Atavia J.
So Far So Good
My old insurance was hassling me on my renewal in November. Threatened to cancel me because they say they did not get payment. I did not get the letter they say they sent telling m...
LARRY G.
Save up to 25% in discounts on catering business insurance
Pay monthly or annually, and you can cancel at any time.
How much does catering insurance cost?
Premiums for caterers insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The type of business you run (corporate, event catering, mobile etc.).
- Your catering operations.
- Your catering location.
- Your number of employees and what they do.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business needs.
How can a catering insurance policy help?
Food and beverage industry insurance requirements vary by state, as well as the requirements of the event venue or event planner. Insurance for your catering business may be necessary to:
- Get new clients. Many event planners and venues require general liability coverage or workers’ compensation before they’ll work with you.
- Hire employees. Many states require workers’ compensation insurance if you have employees.
- Deliver, pick-up or drive for business. Mobile food businesses (including catering vans) typically need commercial auto insurance.
- Repair or replace property you own or rent. Commercial property coverage could help protect you after a covered event like a power surge, equipment breakdown or fire.
Catering insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
How can business insurance help protect caterers?
ERGO NEXT’s insurance for caterers could help protect your business from a variety of risks. You can be protected from financial losses related to:
Damage to someone else’s property. You or an employee accidentally scratch floors while setting up for an event. General liability coverage could help pay for repairs.
Accidents that hurt someone. A guest requires medical attention after an allergic reaction to your food, or they suffer a burn from your chafing dish. Your general liability coverage could help to pay for medical costs and legal fees.
Injured workers. A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage could help cover medical bills and lost wages if the server is your employee. Workers’ comp is usually required by law if you have employees.
Damage to your own business space or property. A grease fire damages your kitchen. Commercial property insurance could help with replacement or repair costs.
What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
