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Catering Insurance

Looking for affordable, online insurance for caterers? FLIP has you covered.


Benefits of Insurance for Caterers

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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. 

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Completely Online Process

Our insurance for catering companies can be purchased entirely online. Access your certificates of insurance, update coverages, and policy documents digitally.

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Coverage in All 50 States

As a caterer, your business occurs in many different settings and locations. Your catering insurance follows you wherever you conduct business. 

What Is Catering Insurance?

Insurance for caterers is a safety net of coverages designed to protect you from the costs of expensive claims. Covered claims included in your catering insurance policy apply to an injury, food poisoning, equipment loss, and property damage.

Your catering insurance quote can include:

  • Product Liability Insurance 
  • General Liability Insurance 
  • Tools & Equipment Insurance (optional)
  • And more 

Food Liability Insurance Program (FLIP) also provides extra policy options—a trailer endorsement and increased limits—if your catering business needs more protection.

What Kind of Insurance Does a Caterer Need?

A caterer needs insurance that protects them from the cost of claims that happen as a result of their business operations, including the following:

  • General Liability Insurance
  • Product Liability Insurance
  • Damage to Premises Rented Insurance
  • Inland Marine (Tools & Equipment) Insurance (optional)

These insurance coverages can protect your business from the costs related to the most common types of claims you could face as a catering business. Catering insurance can give your business the extra protection it needs to avoid unnecessary financial stress.

How Much Does Catering Business Insurance Cost?

Catering insurance 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 business equipment coverage. 

You can include additional coverage options and increased coverage limits in your catering liability insurance policy at extra cost. Protect your business your way and never pay for more than you need.

Let’s Talk Numbers For Catering Insurance


Coverage Details

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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

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.

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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.

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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. 

Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)


Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


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Why Caterers Choose FLIP

Here's what other people have to say about their experience from over 312+ available reviews.

Have Questions? We're On It.

You need catering insurance for these reasons:

  • It protects your business from third-party bodily injury claim fees.
  • It safeguards your business from property damage claim fees.
  • It covers you 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, you need liability insurance that covers your business no matter where you work. Contact us today with any questions you have.

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 this catering insurance coverage while filling out your quote. 

Protect My Trailer

Yes! You can include Tools & 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. Tools & Equipment coverage is optional and has different limit options.

Add Equipment & Inventory Insurance

Filling out a catering liability insurance claim is quick and easy. Follow these 5 simple steps to file a claim:

  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

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.