Catering Insurance in Charlotte, NC and Matthews, NC
Catering Insurance Quote Forms
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Catering Insurance Information
Catering businesses face many risks, and whether caterers work on another property or in their own kitchen, liability is always a concern. Supplying food, preparing and transporting it, serving it, and relying on suppliers to provide necessary items on time can put caterers at risk and negatively affect their ability to offer catering services. Insurance provides the needed coverage to protect yourself, your employees and your business from any damaging covered events.
Common Catering Insurance Questions:
What Are Types of Catering?
The two main types of catering are on-premise or off-premise. However, these types of catering can be performed for weddings, corporate events, social events and concessions, including food trucks. Generally, if a caterer is hired, they will handle the food preparation, service and clean-up. A caterer saves the host time and the stress of having to do all this and manage their event.
Do You Need Insurance for Catering?
Catering companies are responsible for many things. From food, employees, transportation of goods, perhaps owning a catering property and kitchen, to other aspects of a catering business. Various types of insurance can help protect the various components of a catering business, including:
We can explore supplemental coverages that may optimize your business’s protection. These include:
General liability insurance—This coverage offers protection from property damage and bodily injury claims.
Commercial property insurance—This coverage helps protect your business and its physical assets from fire, theft or other covered damages.
Business income insurance—This can help replace any income you lose if you can’t open from a loss such as property damage.
We can also discuss other policies that may provide supplemental coverage, such as infectious disease coverage, cyber liability insurance, errors and omissions coverage and crime insurance.
How Much Does Insurance Cost for my Catering Business?
Because you probably need several different types of insurance, the costs of these plans will vary considerably. The size of your business, history of insurance claims, payroll, and location can help determine your policy premium. We can help you compare your coverage options to ensure you get the best value for your coverage.
How We Can Help
Call J M Hamilton & Associates today at 704-364-0833 to discuss the best insurance policies for your catering business. We can make sure you have coverage for anything that might arise in your catering business.
Commercial auto insurance applies if you own or use a vehicle on behalf of your business. If you own a catering truck for deliveries, you may need this coverage.
Equipment breakdown insurance can help pay if essential systems (HVAC, refrigeration, cooktops, etc.) unexpectedly fail, resulting in you needing to limit or halt operations. This coverage may also pay for equipment repairs and lost income because of the failure.
Food spoilage coverage can help you replace food that spoils due to a business hazard.
Liquor liability insurance is necessary if you serve alcoholic beverages to customers. An intoxicated person may harm someone because you served them alcohol, and the injured individual may blame you. This coverage may cover those third-party losses.
Workers’ compensation insurance pays your employees who experience a work-related illness or injury a supplementary income during their recovery period.