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Insurance for Caterers
As a caterer, you take on many different risks, and you need insurance that meets the requirements of your business. Because you may prepare food in different kitchens, serve food at multiple venues, you want insurance that covers your liability and equipment at any location. FLIP insurance is non-premise specific so you can feel comfortable knowing you are insured anywhere in the United States.
Financial setbacks from a liability claim could close down your catering business. Don’t let unforeseen events close down your catering business. For just $299 a year, you'll get comprehensive catering insurance that includes general and product liability, business personal property, and identity recovery coverage. Many other event policies exclude product liability which is an essential coverage for caterers.
Rather than buying multiple event policies each year, FLIP's annual policy is a cost-saving solution for caterers such as:
- Full-Service Caterers
- Independent Caterers
- Wedding Caterers
- And More
- Corporate Caterers
- Social Event Caterers
- Concession Caterers
|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 (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|
|Identity Recovery Coverage Aggregate Limit||$15,000|
|Identity Recovery Coverage Deductible||$250|
For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).
**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (888) 568-0548 or by email at email@example.com.
Common Insurance Questions:
A basic catering insurance policy from FLIP starts at $299. However, there are coverage options that you may add to your policy for an additional premium. For example, you may choose to increase your business personal property coverage limits if you have expensive equipment that would cost more to replace than what is available under our standard limits. Or you might want to add professional liability coverage if you teach cooking classes. With FLIP, you can structure the insurance you need to the type of catering business you operate.
All caterers need catering insurance to protect their business from claims and defense costs associated to the operation of their catering business. Without insurance, you and your catering business could be devastated if a client becomes ill after eating your food, if you damage somebody's property, or if your equipment is stolen. Since most caterers operate at multiple locations, caterers need insurance that goes where they go. FLIP insurance is portable and is not specific to any one location.
Insurance for caterers is a policy designed to respond to claims that may occur in your day-to-day operations of your catering business. Covered claims may include slip and fall accidents, equipment loss, third party property damage, or other mishaps. Catering insurance from the Food Liability Insurance Program (FLIP) includes coverages like business personal property/inland marine, general liability, product liability, damage to premises rented, and identity recovery coverage.
Why FLIP for Catering?
- A+ Rated Insurance Carrier
- Affordable Premium
- Licensed in All 50 States
- Free Additional Insureds
- Purchase Instantly Online - No Long Quote Process
"I was paying $2200 a year for 7 years. When I heard about FLIP from another vendor I called FLIP... After spending about 20 min on the phone with me and answering ALL of my questions... I emailed my other provider and told them about FLIP... I went on to say why would I not switch? Thank you FLIP" Scott M - Catering Company - More Testimonials
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
- Identity Recovery Coverage
- No Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed In All 50 States
- A+ Rated Insurance Carrier
WHAT IS FLIP?
FLIP was created to offer the most affordable liability insurance to food vendors without sacrificing coverage. By creating an online program, long and expensive underwriting processes were shortened, allowing FLIP to offer quality insurance policies at reduced prices compared to more traditional methods of processing. In addition, the online presence gives food vendors more control over their policies at their convenience.