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Catering Insurance is Crucial for Food Service Companies

May 02, 2022 | All Categories, Insurance 101

Catering insurance is a term used to describe a group of coverages that are important to food service companies. Also called caterer insurance, food service insurance, or food liability insurance, these policies protect food service businesses from many types of risk, including employee injuries, injuries to customers and other non-employees, liability from accidents in company-owned vehicles, and others.

Catering Insurance Policies

biBERK provides six types of catering insurance to protect food service companies:

  1. Workers’ compensation insurance for caterers. This coverage protects your business if an employee is hurt, contracts an illness, or dies as a result of an on-the-job incident. For example, if a cook suffers a serious burn while working in the kitchen, it can cover medical costs, legal fees, and lost wages due to the injury.
  2. General liability insurance for caterers. This insurance covers injuries to people you don’t employ, damage to the property of others, slander, libel, and copyright infringement. If, for instance, your crew accidentally starts a fire that causes damage at a customer’s house, this policy could cover repair costs.
  3. Business owners policy (BOP) for caterers. Also called property & liability insurance, a BOP combines general liability insurance with coverage for company property. It’s a convenient way to get wide-ranging coverage in one policy. Damage to your catering equipment for example, can be covered.
  4. Commercial auto insurance for caterers. This insurance covers business use of company-owned or leased vehicles, since personal auto insurance policies don’t provide coverage in many work-related scenarios. For example, if your employee is at fault in a vehicle accident while delivering food in a covered company delivery van, or if your food truck is damaged, this policy can protect you.
  5. Umbrella insurance for caterers. Liability insurance policies all have a maximum amount they will pay. Umbrella insurance can provide additional payment if that amount is exceeded for a covered risk. This insurance can kick in if, for example, the cost of an injury to your customer is more than your biBERK general liability policy will cover.
  6. Cyber insurance for caterers. Purchased as an add-on to a general liability policy or BOP, this insurance covers costs associated with data security breaches in which fraud has occurred or is likely to occur. For example, this coverage can help if customer credit card information is stolen.

In addition, you can add what are called endorsements to business insurance policies. For example, both general liability policies and BOPs can have add-ons like hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

What Does Food Service Insurance Cost?

You can determine your food service insurance cost by getting free, self-service, online quotes for the policies you need. Your total cost will depend on the types of policies you purchase and the amount of coverage you choose, as well as factors like the size of your business, where it’s located, and your claims history. 

With biBERK, after getting your online insurance quote, you can purchase your policies online, as well. And if you have questions, our licensed insurance experts are happy to answer them.

Finding the Right Food Liability Insurance

Business coverage like food liability insurance is a valuable asset to your company. Having adequate coverage protects you financially and provides powerful peace of mind so you can focus on running your business.

Consequently, where you purchase your insurance is important. You want to work with a company that knows small business insurance and has the financial resources to stand behind you if you have a claim. 

biBERK is part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020. So, when you get your catering insurance from biBERK, you know you’re working with a company you can count on.