Catering Insurance
Catering insurance covers California caterers across the kitchen, the road, and the event, where risk travels with the food. It typically includes general liability, product liability for foodborne illness, liquor liability when you serve alcohol, property and equipment coverage, commercial auto, spoilage coverage, and workers’ compensation once you have employees. Venues often require proof of general and liquor liability.
Catering moves fast, and it moves off-site, which means your risk travels with you from the kitchen to the road to someone else’s venue. We help California caterers build coverage that fits the full arc of an event.
Catering Insurance Policy Features
What does it cover?
- General liability, covering third-party injuries and property damage at events and your premises.
- Product liability, responding to claims of foodborne illness tied to the food you serve.
- Liquor liability, applying when you serve or furnish alcohol at events.
- Property and equipment coverage, protecting your kitchen, ovens, refrigeration, and serving gear.
- Commercial auto, covering the vehicles you use to transport food and equipment.
- Workers’ compensation, required in California once you have any employees.
- Spoilage coverage, helping address loss of perishable inventory from equipment failure or power loss.
How we help: we learn your menu, your event types, whether you serve alcohol, and how far you travel, then help you build coverage across the kitchen, the road, and the event.
