Catering insurance has many similarities to restaurant insurance, but with the added challenge of making and serving food in different locations. This can create a host of new liabilities, so it is crucial to ensure that your catering business has the proper coverage before scheduling your first banquet.
Types of Catering Insurance
Proper catering insurance should cover a wide array of situations and liabilities. Although some aspects will differ depending on where your business is located, what items you offer, and how big the events you cater are, there are several standard elements that every catering insurance package should cover:
- Business liability insurance: Provides general liability coverage for common business risks and accidents.
- Commercial vehicle insurance: Covers your catering vans or other vehicles against common traffic accidents and damage.
- Product liability insurance: Covers your liability if anything goes wrong with your food (e.g., it accidentally makes a customer sick).
- Liquor liability insurance: Covers your liability if you serve alcohol along with your catering.
- Equipment breakdown coverage: Covers emergency repairs in the event of a major malfunction with your kitchen equipment.
Catering is a massive industry, but running a catering business necessitates the right insurance coverage. If you want to make sure that your company is covered, contact Third Door Insurance in Nashville, Tennessee to discuss your policy options and learn how you can keep your catering service running smoothly.