Catering Business Insurance

Core coverages

• General liability — guest injuries and venue damage at events, with the additional-insured endorsements venues require
• Liquor liability — if you or your staff serve alcohol at events
• Food contamination — foodborne illness claims and event cancellations
• Commercial auto — vans and vehicles used to transport food and equipment
• Equipment floater — warmers, chafing gear, and kitchen equipment on the move

What drives your rate

Events per year, whether alcohol is served (and by whom), revenue, staff count, and how much work happens off-premises. Venue contracts drive coverage requirements — we review the insurance language in your venue agreements so you're never scrambling before an event.

Why agents pass — and we don't

Caterers get quoted as restaurants, which prices the kitchen and misses the road. Hospitality programs built for caterers cover the off-premises reality — and turn around the venue certificates that land in your inbox two days before a wedding.