Insurance for Wedding Caterers
Protect your business with wedding catering insurance faster than you can say “I do!”
Benefits of Insurance for Wedding Caterers
Enjoy the perks of being insured by Food Liability Insurance Program (FLIP)!
Free and Unlimited Additional Insureds
Additional insureds, like clients, venues, and commercial kitchen landlords, can be included on your policy at any time for free. Add them while filling out your application or afterward from your user dashboard.
100% Online Process
We make it easy with an online checkout process, so you can get coverage in 10 minutes or less. You can also access your Certificate of Insurance or update your coverage through the user portal.
Coverage That Follows You
Wedding catering takes your business to a variety of venues, and your FLIP policy covers you at all of them.
What Is Catering Insurance for Weddings?
This coverage is a type of catering insurance designed to safeguard your business from the expensive cost of claims, such as:
- A wedding guest gets burned on one of your chafing dishes
- Someone you serve food to at a wedding gets food poisoning
- Your catering equipment gets stolen while you’re unloading at a venue
- One of your servers drops a plate of food on a rug at the venue, leaving a stain so large that the venue demands you replace the rug
Wedding catering insurance is designed to cover the expenses you might face after incidents like these, including:
- Medical bills
- Repairs or replacements for damaged property
- Attorney’s fees
- Settlements
What Kind of Insurance Does a Wedding Caterer Need?
There are several types of insurance every wedding caterer needs:
FLIP includes all of these coverages in a base wedding caterer policy, protecting you from the most common types of claims.
However, your business may need additional types of insurance because it faces other risks, including:
- Food trailer endorsement (exclusively offered by FLIP)
How Much Does Wedding Caterer Insurance Cost?
Insurance for wedding caterers starts as low as $25.92 per month. Several factors can affect the amount you pay for your policy, such as:
- The state you operate in
- The limits you choose
- If you include additional coverages in your policy
Additional coverages can increase the cost of your policy, but expand your coverage to better suit your business’ needs, shielding you from more types of claims.
Why Choose FLIP for Wedding Catering Coverage?
In addition to comprehensive coverage, you’ll enjoy several benefits with your FLIP policy, including:
- Instant quote process
- 24/7 access to policy documents
- Convenient online purchasing
- Licensed in most locations
- Monthly payment options
- U.S.-based, non-commissioned customer support
The Best Choice for Wedding Catering Insurance
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
What FLIP Customers Are Saying About Us
Don’t just take our word for it! Read what others say about their experience with us from 300+ reviews.
FAQs About Insurance for Wedding Caterers
Will Wedding Caterer Insurance Protect My Equipment?
You can protect your equipment by adding tools and equipment coverage to your policy, which is an optional add-on we offer.
Traveling with your catering equipment from venue to venue puts you at risk of damaging your gear in transit or having it stolen. Tools and equipment coverage helps cover the cost of replacing or repairing damaged or stolen equipment.
Do I Need a Separate Policy for Each Event, or Is One Policy Enough?
Our annual policy offers 365 days of coverage, so you’re protected at any event you attend during the policy period! No need to buy a separate one each time you book a gig.
What Documentation Do I Need to Provide Proof of Insurance to Clients or Venues?
Clients and venues will ask to see your Certificate of Insurance, or COI. This document proves you have an active policy and includes your policy limits.
You can view and download your COI anytime from your FLIP user dashboard.
How Does the FLIP Claims Process Work?
If you need to file a claim, follow these simple steps:
- Log in to your FLIP online user account
- Go to “Manage Policies”
- Select “File a Claim”
- Fill out the required information
- Submit your claim
Afterward, a claims adjuster will review your submission and reach out to take you through the rest of the process.
What Are the Benefits of Wedding Catering Insurance?
By having wedding catering liability insurance, you’ll enjoy:
- Increased credibility: Being insured shows clients and partners your business is financially prepared to deal with any accidents that could occur
- More business opportunities: Having insurance means you’re always ready to pick up a last-minute gig without rushing to get a policy
- Peace of mind: Breathe easy knowing your business is safeguarded in the event of an otherwise financially damaging claim
