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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!

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Benefits of Insurance for Caterers

Discover the perks of getting insurance from FLIP.

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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.

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Manage Your Policy Online

Purchase your policy and access certificate of insurance, update your coverage, and view documents 100% online.

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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:

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

YEARS EXPERIENCE
1 +
BUSINESSES TRUST FLIP
25000 +
INDUSTRIES COVERED
25

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

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Why Caterers Choose FLIP

ere's what FLIP customers say about their experience from over 300+ available reviews.

FAQs About Insurance for Catering Companies

File a claim online in five simple steps:

  1. Log in to your FLIP online user account
  2. Navigate to “Manage Policies”
  3. Select “File a Claim”
  4. Fill out the required information
  5. Submit your claim

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.

Get Liquor Catering Coverage

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

 

Protect My Trailer

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. 

Add Tools and Equipment 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.