Personal Chef Insurance
Get cooking in 10 minutes or less with a completely online insurance purchase process.
Benefits of Private Chef Insurance
Enjoy complete peace of mind as you run your personal chef business with comprehensive coverage from FLIP.
From Liability to Equipment
Save money when you add product liability coverage, tools and equipment coverage, and more. Your insurance premium is cheaper than even just one claim.
Free, Unlimited Additional Insureds
Cater without worry by adding unlimited additional insureds free of cost and extend your coverage to venues.
Affordable, Quality Coverage
Enjoy low-cost coverage without pushy agents. Our agents don’t make commission, ensuring you get the best service possible.
What Is Personal Chef Insurance?
Personal chef insurance is designed to protect private and personal chefs from third-party claims of bodily injury or property damage. It can also help insure your tools and equipment from theft or damage.
Private chef insurance provides a series of coverages, such as:
- General Liability Insurance
- Product Liability Insurance
- Tools and Equipment Insurance (Inland Marine)
- Damage to Premises Rented
- Cyber Liability Insurance
Don’t let claims such as food poisoning, an allergic reaction, stolen equipment, or a client injury put a damper on your company’s business reputation. Without private chef insurance, you could be looking at paying thousands of dollars in out-of-pocket expenses, such as attorney fees and medical fees that result from these incidents.
Claims happen with or without coverage, so protect your wallet and professional reputation with personal chef insurance.
How Much Does Personal Chef Insurance Cost?
Our insurance for personal or private chefs starts at $25.92 per month with the option of purchasing an annual policy starting at $299 per year. The base policy includes the minimum amount of coverage, and you can always increase your limits or add additional coverage.
FLIP’s personal chef insurance allows you to tailor your coverage and cost to fit your business needs, such as adding additional insureds or cyber liability insurance.
Do Personal Chefs Need Insurance?
If you answer yes to any of the following questions, then you need personal chef insurance:
- Do you cater private events?
- Do you own your own equipment?
- Do you cook for clients in their own homes?
- Do you cater corporate events, bridal or baby showers, or similar events?
Food businesses face many potential risks—food poisoning, food allergens, damage to equipment, injury—and should have personal chef liability insurance to protect your business from the expensive costs associated with claims.
Let's Talk About Numbers for Personal Chef Insurance
Personal Chef Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
General liability claims are the most common claims a personal chef could experience. From slip-and-fall injuries to property damages, it is important to protect your business from the financial burden of paying for claims out of pocket.
Product Liability
Aggregate Limit: $2,000,000
As a food business owner, one of your biggest risks is food poisoning or a customer becoming ill from food you served. Product liability insurance can help mitigate or even eliminate the costs related to a food poisoning claim. Costs can include attorney fees and medical expenses.
Inland Marine
Aggregate Limit: $10,000
When your equipment is one of the most important aspects of your business, you’ll want to protect it. Tools and equipment coverage can eliminate the cost of replacing or repairing stolen or damaged equipment. FLIP offers two different options for tools and equipment coverage, allowing you to choose the best for your business.
Damage to Premises Rented
Aggregate Limit: $300,000
As a personal chef, if you rent a commercial kitchen or participate in events or expos, then you need damage to premises rented insurance. This coverage can protect you in case your business causes damage to a rented space. You can also list a property owner or event organizer as an additional insured free of cost.
What Professional Chefs Say About Us
Here's what other people have to say about their experience from over 312+ available reviews.
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
FAQs About Insurance for Personal Chefs
What Kind of Insurance Does a Personal Chef Need?
There are several types of insurance that a personal chef may need, depending on their particular business. For example, if you rent a commercial kitchen, you will need Damage to Premises Rented coverage to protect your business in case you accidentally damage the property you’re renting.
With FLIP, your policy can include:
- General Liability Insurance
- Product Liability Insurance
- Inland Marine (Tools and Equipment) Insurance
- Damage to Premises Rented
- Cyber Liability Insurance
- Increased Insurance Limits
- Additional Insureds
What Happens If I Get Sued By a Client for Food-Related Issues?
It doesn’t matter if you’re a seasoned business owner or are just starting out, being sued by a customer can be scary. We are here to help.
If you are sued by a client for food-related issues, it is important that your first step is contacting us to start the claims process. We can help guide you through the process and make sure that your claim gets handled quickly and correctly.
File a claim in three simple steps:
- Log in to your user dashboard
- Select “File A Claim”
- Fill out the necessary information then sit back, relax, and let us resolve it for you!
Why Should I Choose FLIP for Private Chef Insurance?
Personal
- Our policy is customizable, so you can add additional coverages, increase your limits, and tailor your coverages to your needs.
Online and Convenient
- Gain instant 24/7 access to your policy documents and certificates of insurance.
- Add additional coverages.
- Any questions? You have 24/7 access to online chat or speak to an agent during business hours.
Affordable
- Our US-based, licensed agents don’t make a commission on helping you.
- We are part of a risk purchasing group.
These things help make FLIP much more affordable while still giving you quality protection.
What Risks Do I Face As a Private Chef?
As a private chef, you could face any of the following:
- Food poisoning claims
- Equipment malfunctions and damages
- Customer lawsuits
- Property damage
It’s important to protect yourself from the financial stress of these risks by insuring your business with insurance for chefs.
What Is the Difference Between Personal Chef Insurance and General Liability Insurance?
Personal chef insurance is designed to protect chefs beyond a traditional general liability insurance policy.
A personal chef insurance plan typically includes general liability coverage, plus a variety of other coverages you may need. It offers you specific protections and limits that are unique to your profession as a chef that a generalized plan cannot provide.
General liability insurance cannot protect your tools and equipment or pay for product-related claims. If your brand new pots and pans are stolen from a venue or a client gets food poisoning from one of your meals, general liability insurance would not be able to cover you, whereas private chef insurance could.
Who Needs Personal Chef Insurance?
- In-Home Chefs/Cooks
- Personal and Private Home Chefs/Cooks
- Part-Time Chefs/Cooks
- Full-Time Chefs/Cooks
- Freelance Chefs/Cooks
