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3 Must-Have Liability Catering Insurance Policies

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There are many reasons why you might have decided to start your catering business. As a caterer, you have the opportunity to meet with clients, cook delicious meals, and work in a wide variety of locations. But when it comes to running a catering business, there are several risks you face every day that, without liability insurance, could put you in a bad spot financially.

As a food industry professional, protecting your business with liability insurance isn’t just a good idea—it’s a necessity. Should your business be involved in an accident, you could be held liable to pay thousands of dollars in expenses. FLIP’s Catering Insurance is designed to help mitigate the expensive cost of claims that your business might face.

Let’s take a look at this insurance plan and some of the policies you can use to protect your catering business today.


General Liability

As a caterer, you work with many people and in many different locations. As such, your business runs the risk of accidentally injuring someone or damaging the property where you are working.

For instance, let’s say a customer trips on some of your equipment and falls, breaking their arm. Although it was an accident, because the accident involved your gear, you could actually be held liable to pay for the customers medical expenses.

As crazy as it sounds, these kinds of accidents occur pretty frequently and could cost your business a lot of money if you’re not covered. Luckily, all Catering Insurance plans by FLIP include a general liability policy, which can protect your business from the financial repercussions of third-party bodily injury or property damage claims.

Product Liability

It’s likely that you became a caterer because you love serving delicious food to your customers, right? Well, what happens if one day, you serve food at an event that ends up getting some people sick? It’s probably a culinary professionals worst nightmare, but it’s one that caterers like you face every day.

From food borne illness to poorly prepared food to unmentioned allergens, there are many ways that customers can get sick from the food you’ve served them. However, regardless of the method, if your food makes someone sick, you could face legal action that could devastate your business.

With Catering Insurance, you can cover your business with a product policy, which offers protection from food-related claims.

Cyber Liability

In today’s modern world, chances are that your catering business collects and stores data online. Did you know that if that data were stolen, it could cost you thousands—even tens of thousands—of dollars? Perhaps one of the worst things that could happen is having your client information stolen. If that happens then you could face third-party claims, legal fees, and more.

The unfortunate reality is that cyber crime is really common these days. If you don’t have a way to protect your business financially, you could be in trouble if you ever face a cyber security event.

Luckily, FLIP offers the option to add Cyber Liability to your Catering Insurance policy, so you can protect yourself from the financial repercussions of both first- and third-party cyber security claims.


As a catering professional, protecting your business with liability insurance isn’t just a good idea—it’s a necessity. The last thing you should ever want to do is pay for claims out of pocket, but without liability insurance, you may find yourself needing to do just that.

If you haven’t already, consider checking out FLIP’s Catering Insurance plan. For as low as $299 per year or $25.92 per month, you can protect your catering business with A+ rated general liability, product liability, and business personal property. It also has additional policy options in case you need them, like cyber liability. Our online process is quick and easy, and we’d love to help you protect your business in case the need ever arises.

If you have any questions about this insurance plan and how it can benefit your business, feel free to follow the link below or contact one of our licensed insurance agents today.

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