Catering Insurance
Affordable, comprehensive insurance for caterers from Food Liability Insurance Program (FLIP) is only a few clicks away. Get insured in 10 minutes or less!
Benefits of Insurance for Caterers
Discover the perks of getting insurance from FLIP.
Free & Unlimited Additional Insureds
Is a venue manager asking you to include them on your policy? Add them as an additional insured from your online account. FLIP doesn’t cap the number of additional insureds you add and we never charge for them.
Manage Your Policy Online
Purchase your policy and access certificate of insurance, update your coverage, and view documents 100% online.
Meet Venue Requirements
FLIP’s policy meets most venue and client expectations for liability insurance, meaning you can book more gigs year-round without scrambling for last-minute coverage.
What Is Catering Insurance?
Insurance for caterers is a safety net of coverages designed to protect you from expensive claims caterers commonly face. This includes:
The average cost of a catering claim from FLIP policyholders is $4,300. Without liability insurance, businesses like yours can be forced to pay for unexpected claim expenses completely out of pocket.
Catering insurance is the best way to proactively shield your finances from claims, giving you the peace of mind to run and grow your business.
What Kind of Insurance Does a Caterer Need?
Every caterer needs the following coverage:
Together, these coverages protect your business from the cost of claims you’re most likely to face. FLIP includes all of them in your base catering business insurance policy.
However, many caterers need additional liability protection, such as:
- Liquor liability
- Food trailer endorsement (exclusively offered by FLIP)
How Much Does Catering Liability Insurance Cost?
The cost of catering insurance starts at $25.92 per month or $299 per year. Your premium can be affected by the following factors:
- Your business’ gross annual revenue
- The state(s) your business operates in
- Any add-on coverages you include (e.g., the food trailer endorsement or tools and equipment)
- The coverage limits you need
FLIP: The Best Catering Insurance Provider
Coverage Details
General Liability
Aggregate Limit: $2,000,000
General liability insurance is designed to cover third-party bodily injury and property damage claims, such as a customer burning themselves on your Sterno flame or falling ill with food poisoning.
Product Liability
Aggregate Limit: $2,000,000
This insurance helps cover the cost of claims involving your food and/or beverage products, including food poisoning and unlabeled allergens.
Products-Completed Operations
Aggregate Limit: $2,000,000
This coverage protects you against claims involving your products and services. If a guest gets sick because of undercooked meat you served them or a client sues you because you showed up late to cater their wedding, products-completed coverage can respond to the claim.
Personal and Advertising Injury
Aggregate Limit: $1,000,000
If a competitor sues you for defamation because you said something negative about them online without realizing it wasn’t true, this insurance could cover your legal expenses. It can also cover false advertising and copyright infringement claims.
Damage to Premises Rented
Aggregate Limit: $300,000
If you’re renting a space like a commercial kitchen, this insurance can cover accidental damages you make to the property during the first seven days of renting. Afterwards, it only covers fire damage.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Why Caterers Choose FLIP
ere's what FLIP customers say about their experience from over 300+ available reviews.
FAQs About Insurance for Catering Companies
How Do I File a Caterer Insurance Claim?
File a claim online in five simple steps:
- Log in to your FLIP online user account
- Navigate to “Manage Policies”
- Select “File a Claim”
- Fill out the required information
- Submit your claim
Are Alcohol-Related Incidents Covered by Catering Public Liability Insurance?
No, alcohol-related incidents are not covered under FLIP’s catering insurance policy. If you run an alcohol catering business or you offer alcohol services alongside other catering packages, you need liquor liability insurance for caterers.
Learn more about the differences between general liability and liquor liability insurance and find out why you need both if you sell, serve, or provide alcohol to customers or clients.
Can I Protect My Trailer With Insurance for Catering Businesses?
Yes! FLIP is proud to be the exclusive provider of the food trailer endorsement. It extends your general liability coverage to your food trailer when parked and detached from the towing vehicle.
This endorsement costs $12.50 per month, and you can add it during checkout or any time after you’ve purchased your policy via your user dashboard.
Can I Protect My Catering Equipment?
Yes! Tools and equipment coverage is available as an add-on coverage starting at $8.25 per month. It’s designed to cover the cost of replacing or repairing stolen or damaged equipment you take from gig to gig.
Does FLIP Offer Event Catering Insurance?
Yes, FLIP’s catering insurance policy covers event caterers and is perfect for any businesses that work more than one event per year. It offers year-round coverage so you can book last-minute gigs without scrambling for liability coverage.
