Catering business insurance is designed to insure your business against the specific risks faced by catering professionals. While there’s no official policy called “caterer’s insurance,” catering businesses can purchase business insurance that’s tailored to their unique needs. Whether you’re managing a team, using vehicles for delivery, or setting up equipment at an event space, the right insurance policy may help you avoid financial loss.
At Infinity Insurance Agency, Inc. (IIA), we work with you to find reliable coverage that fits your operation and budget. Our agents understand the unique needs of catering businesses and are here to offer you many options for you to choose from.
Why Food Service Insurance Matters
Catering businesses face a variety of risks, such as customer injuries, property damage, vehicle accidents, and equipment loss. Business insurance can help cover the costs of things like repairs, accident claims, or legal fees—reducing financial strain and helping your business keep running smoothly.
How much does general liability insurance cost for a caterer’s insurance policy?
Costs for liability insurance depend on several business-specific factors, including:
- Type of services provided
- Business size and annual revenue
- Number of employees
- Value of any equipment used off-site
- Vehicle use
- Past claims history
While pricing is important, it is equally important to consider what coverage may help to pay for the costs your business could face. Choosing based on cost alone might leave gaps in protection.
What coverage does a food service business need?
Commercial general liability
This type of liability insurance helps to pay for accidental damage to another person's property or costs related to third-party bodily injury. It may also help with legal fees related to the claims covered.
Commercial auto
If you or your employees use a vehicle for business purposes, commercial auto coverage may help to cover costs from a covered accident. This may include damage to your vehicle, another person’s vehicle, or other third-party property. Personal auto policies often exclude business use, so this coverage is important for many catering businesses.
Why work with Infinity Insurance Agency, Inc.
Infinity Insurance Agency, Inc., works with several insurance companies to offer customizable options for catering businesses. Our team helps review available business insurance coverage.
We provide:
- Bilingual customer service
- Affordable premium options offered through our carrier partners
- Flexible payment plan availability
- Local agents familiar with small business needs