Catering Insurance For Small Businesses In Food Service
How much does catering insurance cost?
Catering Liability Insurance for Events, Staff & Equipment
Whether you serve corporate lunches or weddings, running a catering business means juggling food, logistics, and liability. At Gild, we offer catering insurance tailored for small businesses in the food service industry. Our plans cover what matters, equipment, staff, and clients, with flexible catering liability insurance and specialized catering business insurance options.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Catering Business Insurance That Travels from Kitchen to Event
Every event, delivery, and setup comes with risk. That’s why Gild Insurance’s catering business insurance is designed to protect your business from kitchen to venue. Our affordable, flexible policies help cover third-party injuries, property damage, equipment loss, and food-related claims. Whether you cater private dinners, corporate events, or large celebrations, we offer expert-backed coverage that fits your catering business today and adapts as you grow. With Gild, protection is always on the menu.
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Property Damage – Fires, leaks, vandalism, or storms that damage your building or equipment.
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General Liability – Customer slip-and-fall claims or food-related illness allegations.
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Equipment Breakdown – Unexpected failures of refrigerators, fryers, ovens, or HVAC systems.
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Business Interruption – Lost income and expenses if you’re forced to close due to a covered event.
The best way to find your catering business insurance is to get a free, online quote in minutes!
What Is Catering Food Service Insurance Coverage?
- General Liability Insurance – Covers property damage and third-party injuries.
- Business Owners Policy– General liability and business property coverage all in one.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Product Liability Insurance: Protects against claims related to foodborne illnesses, contamination, or allergic reactions caused by the food you serve.
- Liquor Liability Insurance: If serving alcohol, covers property damages and injuries related to alcohol consumption served by you.
- Commercial Auto Insurance: Covers vehicles used for catering, such as delivery vans, in case of accidents or damage.
Count on Fast Support For Your Business When The Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Catering Insurance Today!
Your catering service is more than a business, it’s a livelihood and a part of your community. With catering insurance from Gild, you can protect your team, your property, and your future. From coverage selection to claims support, our small business specialist agents are here to help you every step of the way. Get started today with Gild Insurance and keep your business ready for whatever comes next.
Frequently Asked Questions
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What types of insurance does a catering business need?
A robust insurance setup for caterers should include:
- General Liability Insurance – protects against claims of bodily injury (e.g. slips or burns) or property damage during events.
- Product Liability Insurance – covers claims due to foodborne illnesses or allergic reactions.
- Commercial Property or Business Owners Policy (BOP) – protects kitchen, equipment, and event supplies; BOP often includes business interruption.
- Commercial Auto Insurance – required if using vehicles to deliver food and equipment to events.
- Workers’ Compensation Insurance – mandated in most states for any employees to cover injuries during food prep or setup.
- Liquor Liability Insurance – essential if you serve alcohol at events, covering damages or injuries tied to intoxicated guests.
These coverages protect caterers from food‑related claims, physical accidents, and equipment loss on and off‑site.
Does catering insurance cover foodborne illness or food spoilage?
Yes! Catering insurance can cover these risks through Product Liability Insurance:
- General liability policies typically include product liability protection, providing coverage if a guest falls ill from food served.
- This also includes allergen reactions, food contamination, or illness claims traced to your preparation.
- Without this coverage, you may face costly legal action stemming from food-related claims.
These protections are vital for food businesses serving clients at events—they safeguard your reputation and financial stability.
Let's Get The Best Insurance For Your Business!
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