What is Catering Insurance?

Catering insurance is similar to restaurant insurance, except it’s specifically designed for caterers that serve food at off-site locations. Policies are usually package policies that combine several coverages into one, convenient package. By combining several policies, packages give caterers flexibility to select only the coverages they want and need.

What Coverages Do Catering Packages Offer?

Many of the coverages that catering packages offer can be categorized into catering liability insurance coverages and commercial property coverages (a few coverages may not fall into these categories, but these are two large categories that caterers ought to consider when purchasing a package).

Catering liability insurance coverages generally protect caterers from covered incidents in which someone seeks reparations for property damage or personal injury. Most coverages will pay for both legal fees and settlements associated with covered claims.

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What are the Liability Coverages Available to Caterers?

Some of the different catering liability insurance coverages that insurers often offer are:

  • General Liability Insurance, a coverage that provides broad protections
  • Liquor Liability Coverage, which may cover alcohol-related incidents
  • Product Liability Coverage, which might cover food-borne illnesses that are spread by a caterer’s foods

Since caterers drive to client’s locations, they also usually need commercial auto liability coverage. This is sometimes available through a catering liability insurance package, but it may need to be purchased as a stand-alone policy.

What are the Property Coverages Available to Caterers?

Commercial property insurance helps protect the property that a caterer owns. Building coverage, which generally covers commercial buildings, is perhaps the most well-known commercial property coverage. It’s just one form of coverage, though. Regardless of whether they own a building, caterers may want some of these other commercial property coverages:

  • Contents Coverage, for their equipment (e.g. commercial kitchen equipment and smallwares)
  • Food Contamination Coverage, for food and beverages that are served
  • Equipment Breakdown Coverage, in case a covered incident causes equipment to fail

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What Incidents Do Catering Policies Protect Against?

The particular incidents that a catering policy protects a business from are determined by the policy’s terms, conditions, limits and exclusions. If a policy includes the necessary coverages, some incidents it might cover include:

  • Intoxicated guests’ actions
  • Equipment fires
  • Damage to venues’ property
  • Food poisoning
  • Libel, slander, and false advertising suits

What Businesses in New York Could Benefit from Catering Insurance?

Caterers in New York, of course, ought to consider insuring themselves with a catering package policy. It’s often the most convenient -- and, frequently, the most affordable -- way to insure a catering business. Caterers aren’t the only businesses that may want a policy, though.

Any restaurant, bar, or other food service business that provides catering services might benefit from the coverages that a catering policy provides. Even if catering is just a minor revenue stream for a business, serving food off-site locations exposes a business to the risks that caterers face. Catering policies often provide the best protection against these risks.

How Can Caterers and Other Businesses in New York Get a Catering Package?

Caterers and other businesses that are interested in the protections that catering insurance can provide should talk with an independent insurance agent who serves New York. An independent agent can review exactly what services a caterer provides and how often to determine what their risk exposure is. The agent can then make coverage recommendations and help a catering business find a policy that fits just right. 

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Protecting Your Catering Business is Crucial to Success

Serving food to crowds at events and parties is fun, and it can be lucrative. It also exposes a business to a variety of risks. Catering insurance helps caterers in New York protect themselves from many of the possible perils they face.

 

Meet Your Industry Specialist

Jeff Kroeger

Principal, Senior Vice President, and Head of Commercial Lines, Mr. Kroeger also manages the company's hospitality book of business and is that unit's primary producer. He is a graduate of Montclair State University and was named a 2015 Young Gun Insurance Business America.

Jeff has been providing exceptional insurance for restaurants, bars, nightclubs, and more for many years. He understands the unique challenges this industry faces and delivers the right coverage at an affordable price.

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