Catering Insurance: Protecting Your Business

Comprehensive insurance is crucial for catering businesses facing unique risks. General liability covers accidents like foodborne illness claims or property damage. Product liability protects against issues arising from the food itself. Commercial auto insurance covers delivery vehicles. Equipment coverage safeguards your valuable cooking and serving tools. Worker's compensation is essential for staff injuries in high-heat, sharp-object environments. Liquor liability is critical if you serve alcohol. Consider business interruption insurance for canceled events. Review policies annually as your business grows - many caterers start underinsured. Document all incidents thoroughly regardless of severity. Work with an agent experienced in food service to identify potential gaps. Proper insurance provides peace of mind, knowing you're protected when unexpected challenges arise in your catering operations.