Insurance for catering businesses.
Catering means serving food off premises, at venues and events you do not control, often with alcohol, staff, and contracts that demand certificates. That makes it a documents-and-logistics insurance conversation.
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Off-premises and venue contracts
Serving at venues and private events means premises you do not control and contracts that require certificates, additional insured status, and specific limits. Meeting those requirements is often a condition of getting the booking.
Transport, staff, and alcohol
Catering moves food, equipment, and staff to events, which raises auto, workers compensation, and food-temperature exposure, and serving alcohol adds liquor liability. Hired and non-owned auto matters when staff drive their own vehicles.
Equipment and the event certificate
Catering equipment travels and faces transit and theft exposure that inland marine addresses, and nearly every venue wants a certificate before the event. Coverage that can produce documents quickly keeps the calendar full.
Common questions.
What insurance does a catering business need?
Why do venues ask for a certificate?
Do I need liquor liability for catered events?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage for off-premises events and contracts.
Tell us about your catering operation and we will build coverage that meets the venues' requirements.