Catering Insurance
Looking for affordable, online insurance for caterers? As one of the most trusted catering insurance companies, FLIP has you covered.
Benefits of Insurance for Caterers
Free & Unlimited Additional Insureds
Add unlimited additional insureds for free at any time from any place. Apply additional insureds from your user dashboard or while filling out the insurance application.
Completely Online Process
Our insurance for catering companies can be purchased entirely online. Access your certificates of insurance, update coverages, and policy documents digitally.
Coverage Nationwide*
As a caterer, your business occurs in many different settings and locations. Your catering insurance follows you nearly anywhere you conduct business.
*FLIP is not currently available in Missouri.
What Is Catering Insurance?
Insurance for caterers is a safety net of coverages designed to protect you from the costs of expensive claims that caterers commonly face. This includes:
- Food poisoning
- Allergic reactions
- Third-party property damage
- Stolen or damaged equipment
Without liability insurance, catering businesses like yours can be forced to pay completely out of pocket for expensive claims, costing thousands—or in some cases, tens of thousands—of dollars.
Catering insurance is the best way for you to proactively shield your finances from claims, giving you the peace of mind you need to run and grow your business.
What Kind of Insurance Does a Caterer Need?
A caterer needs insurance that protects them from the cost of claims they’re most likely to face as a result of their business operations, including the following:
- General Liability
- Product Liability
- Professional Liability
- Damage to Premises Rented
- Inland Marine (Tools & Equipment) (optional)
- Workers’ Compensation (optional)
Businesses that handle or cook food face a unique set of risks. Catering insurance can give your business the extra protection it needs to avoid unnecessary financial stress.
How Much Does Catering Operation Insurance Cost?
Liability insurance for catering companies starts at $25.92 per month or $299 per year. This includes limits of $2,000,000 in general and product liability insurance as well as $10,000 in tools and equipment coverage.
You can include additional coverage options and increased coverage limits in your catering liability insurance policy at an extra cost. Protect your business your way and never pay for more than you need.
Let’s Talk Numbers For Catering Insurance
Coverage Details
General Liability
Aggregate Limit: $2,000,000
Insurance for caterers includes general liability insurance that offers third-party bodily injury and property damage coverage. Common claims could include a customer burning themselves on your Sterno or falling ill with food poisoning from something you served them.
Product Liability
Aggregate Limit: $2,000,000
Product liability insurance for caterers can protect you from the cost of someone suing you due to a foodborne illness or unlabeled allergen. We highly recommend that you add product liability insurance to your policy.
Tools & Equipment
Aggregate Limit: $10,000
Tools & Equipment coverage is designed to protect your catering equipment. If it’s broken or stolen during or as a result of your business operation you could be reimbursed or receive a replacement. Caterer insurance from FLIP offers two coverage plans for tools and equipment coverage based on your insurance needs.
Damage to Premises Rented
Aggregate Limit: $300,000
Damage to premises rented coverage protects your business when you operate in several different locations. This coverage can protect you in case your business causes damage to any rented space. FLIP also provides unlimited additional insureds at no extra cost along with your catering liability insurance policy.
Workers’ Compensation
Policy Limit: $1,000,000
If you have employees working for your catering operation, like servers, cooks, or bussers, workers’ compensation insurance is a critical part of protecting your business. Most states require you to purchase this policy so you are financially prepared if one of your employees seriously injures themselves or dies while on the job. With FLIP, you can purchase a workers’ compensation policy entirely online.
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
Here's what other people have to say about their experience from over 312+ available reviews.
FAQs About Catering Liability Insurance
Why Do Caterers Need Insurance?
You need catering business insurance for a variety of reasons, including:
- To protect your business from third-party bodily injury claim fees.
- To safeguard your business from property damage claim fees.
- To receive financial assistance when accidents occur, such as a customer burning themselves on your Sterno or getting sick from the food you served them.
If your catering service operates at several locations, your FLIP policy will cover you at all of them—it follows you no matter where your business takes you.
Contact us today with any questions you have.
Does Public Liability Insurance for Catering Businesses Cover Alcohol-Related Incidents?
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.
FLIP makes it easy for caterers that serve alcohol to get the protection their business needs. We offer the following packages to choose from depending on your coverage needs:
- General Liability + Annual Liquor Liability starting from $429 per year
- Annual Liquor Liability Policy starting from $200 per year
- General Liability + Event Liquor Liability Policy starting from $134 per event
- Event Liquor Liability Policy starting from $105 per event
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 Catering Insurance?
Yes! We offer food trailer insurance, allowing you to protect your business, trailer, and assets all in one place. With our trailer coverage, you have the option of extending your liability coverage while you are parked.
You can add trailer protection to your catering insurance coverage while filling out your quote or from the dashboard.
Can I Protect My Catering Equipment?
Yes! You can include Tools and Equipment coverage while filling out your quote application. This coverage adds extra protection to one of the most essential parts of your business by protecting you from the out-of-pocket costs of replacing or repairing stolen or damaged equipment.
What Does the Claims Process Look Like With FLIP?
Filling out a catering liability insurance claim is quick and easy. Follow these 5 simple steps to file a claim:
- Log in to your FLIP online user account
- Navigate to “Manage Policies”
- Select “File A Claim”
- Fill out the required information
- Submit your claim
Does FLIP Offer Event Catering Insurance?
Not currently. However, check back for updates on future catering insurance for one-day policies.
Our current catering policy can help you prepare for the entire year (or you can choose our monthly catering insurance option) and allows you to add new catering events whenever you need them.
