Liability insurance for catering weddings, parties, events, and much more. FLIP’s Catering Insurance is there where and when you need it. Book events faster by easily adding free and unlimited certificate holders or additional anytime from your custom dashboard. Get limits of $1,000,000 per covered claim and $2,000,000 for the policy term. Best of all, save time and get covered now in 10min or less. 


Save time with catering liability insurance that goes where you go. You book the clients, we’ve got your insurance covered.


Avoid the hassle of calling an agent to add certificate holders. Add them day or night from your dashboard in just minutes. FLIP provides unlimited additional insureds free of charge.


Build an insurance plan that fits your needs, including general and product liability, equipment coverage, and more.

What is Catering Insurance?

As a catering professional, your business faces risk every day from slip-and-fall accidents to getting customers sick from your food. Just one claim can cost your business thousands of dollars and damage your professional reputation. Catering insurance can save your business from the devastating effects of liability claims.

Accidents can halt your catering business and drain your financial resources. Don’t let the cost of liability claims keep you from doing what you love. FLIP can enable you to operate with confidence knowing you are backed by comprehensive liability insurance.

Coverage Details:

General Liability Aggregate Limit
Products-Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You (Any One Premises)
Liability Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible

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 (844) 520-6992 or by email at

General Liability

Under a catering insurance policy, general liability can protect your business from paying for third-party bodily injury and property damage claims. Common claims include trip and fall accidents and accidental damage done to a place of business or personal property.

Aggregate Limit: $2,000,000

Product Liability

You love to make food, that’s why you started your catering business. But what happens if someone gets a foodborne illness from the food you served? Product liability insurance can protect your business in this situation.

Aggregate Limit: $2,000,000

Business Personal Property / Inland Marine Coverage

Inland marine coverage is designed to protect your business if your equipment gets broken or stolen during or as a result of your business operation. Catering Insurance by FLIP offers two coverage plans for inland marine based on your insurance needs.

Aggregate Limit: $10,000

Damage To Premises Rented

Because you operate at different locations, your business needs coverage that protects you no matter where you are. This coverage can protect your business from damages done to rented spaces, like a spot at an event or a commercial kitchen. It’s common practice for these businesses to require vendors to include them as an additional insured before renting a space. FLIP provides unlimited additional insureds at no extra cost.

Aggregate Limit: $300,000

Cyber Liability

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

Aggregate Limit: $100,000

Workers Compensation Insurance

Depending on your catering operation, you may have employees under your hire to help you prepare and serve food. Through our trusted partner, Insurance Canopy, you can purchase Workers Compensation Insurance.

Aggregate Limit: $300,000

FAQ's About Catering Insurance

What Is Catering Insurance?

Catering liability insurance is a safety net of coverages including product liability, tools and equipment insurance, general liability insurance, and more, that is designed to protect you from expensive claims. You can start protecting your business with catering insurance today by getting an online quote or contacting an agent.

Does My Business Need Catering Insurance?

Yes. As a caterer, your business faces liability risk. You need liability insurance to protect your business should you cause or be involved in an accident. Since your catering service operates at multiple locations, you also need insurance that covers your business no matter where your work takes you.

How Much Does Catering Insurance Cost?

Catering insurance starts at $299 per year and gives you the option of including additional coverages and increased limits, making your policy unique to your business. 

What Is An Additional Insured?

Some businesses may require you to include them to your policy as an additional insured before allowing you to work on their premises or at their events. Including a business as an additional insured on your policy extends your liability coverage to them should your business cause or get involved in an accident. FLIP provides unlimited additional insureds to caterers at no additional cost.

Risks Of Running A Catering Business

Program highlights

Annual Policies



$ 299

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