Essential Insurance For Caterers And Catering

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Types of Insurance Caterers Need

General Liability Insurance: Protects against third-party claims for bodily injury or property damage. For example, if a guest at an event slips on a spilled drink and injures themselves, this insurance can cover legal and medical expenses.

Property Insurance: Covers damage to your business property, including equipment and inventory. For instance, if a fire damages your kitchen or catering equipment, this insurance helps cover the costs.

Commercial Auto Insurance: Essential if you use vehicles for your catering business. It covers accidents while transporting food or equipment. For example, if you’re involved in a car accident while delivering food, this insurance can cover vehicle repair costs and medical bills.

Workers’ Compensation Insurance: Required in most states if you have employees. It covers medical costs and lost wages if an employee is injured on the job. For instance, if an employee burns themselves while cooking, this insurance helps cover their medical treatment.

Liquor Liability Insurance: Important if you serve alcohol. It covers claims of property damage or injury caused by intoxicated guests. For example, if a guest drives drunk after an event and causes an accident, this insurance can protect your business from related lawsuits.

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Catering Insurance

Why Caterers Need Insurance

Catering involves risks like foodborne illnesses, accidents at events, and property damage. Insurance helps protect your business from financial losses due to these risks.

Insurance Coverage and Examples for Caterers

Insurance TypeCoverage Example
General LiabilityGuest injury at event due to caterer’s negligence
PropertyKitchen fire damages catering equipment
Commercial AutoAccident while transporting food
Workers’ CompensationEmployee burn injury while cooking
Liquor LiabilityDrunk guest causing a car accident
Catering Insurance Quote


Insurance for caterers is crucial to protect against various risks associated with the catering business. From property damage to liability for guest injuries, the right insurance can provide peace of mind and financial security. Contact us today for a free quote.

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frequently asked questions

What does cater mean in insurance?

Catering insurance is a type of liability insurance that provides coverage for potential claims that may arise during the regular operations of a catering business. These claims can include things like bodily injury, loss of equipment, damage to third-party property, and other similar issues.

How much is cater fee?

“Catering Fees” refer to the charges you must pay us for the catering and event planning services we offer regarding your Booking. A portion of the Total Fees mentioned in the Booking Contract is associated with catering.

What is the responsibility to cater?

They include preparing the dining area with tables, chairs, and dishes, serving food to guests, cleaning up and removing all dining materials, and creating menus according to client’s preferences and dietary needs.

What is the purpose of catering?

Investing in a catering company is crucial because food plays a significant role in any event or party. The quality of food you offer your guests can enhance or ruin the event’s overall experience.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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