CATERING
With quick coverage, you can receive discounts of up to 25%.
Choose your primary coverage to get started:
General Liability
Worker's Compensation
Commercial
Property
Business Owner's Policy
Other
Coverages
Bonds
CATERING
With quick coverage, you can receive discounts of up to 25%.
Choose your primary coverage to get started:
General Liability
Worker's Compensation
Professional Liability/E&O
Commercial Auto
Tools & Equipment
Commercial Property
Business Owner's Policy
Bonds
Customized Catering Insurance Designed for Your Business
GravySpoon has affordable food company insurance that is customized to match your business risks and demands, whether you are delivering baked items from your kitchen or pressing your tablecloths before opening.
Oh, and regular payments to maintain a healthy cash flow (even if your menu isn't).
Customized Catering insurance designed for your business
Gravy Spoon has affordable food company insurance that is customized to match your business risks and demands, whether you are delivering baked items from your kitchen or pressing your tablecloths before opening.
Oh, and regular payments to maintain a healthy cash flow (even if your menu isn't).
Custom Policies for Food Service Professionals.
Distributors, Catering, Restaurant Owners, Hotels, E-commerce, Contractors, Hotels, Entertainment, Food Trucks, Cloud Kitchens, Restaurant Franchises
Why do Catering businesses need insurance?
Food service business insurance provides comprehensive coverage to protect you from various unforeseen events and accidents, such as:
Slip and fall incidents involving customers on wet floors
Work-related injuries suffered by employees
Damage to equipment
Spoilage or damage to inventory
We understand that running a food service business comes with numerous responsibilities, which is why we have curated helpful checklists and tips specifically for restaurant owners. Our insurance policies are designed to alleviate some of the worries associated with managing your business.
By having the appropriate insurance coverage for your food service business, you can focus on running your operations and ensuring customer satisfaction without constantly worrying about potential financial burdens in case of accidents or mishaps.
How Catering liability insurance protects your business
Catering liability insurance provides important protection for catering businesses against various risks and liabilities. It covers third-party injuries, property damage, foodborne illnesses, product liability, and meets contractual requirements. With catering liability insurance, businesses can focus on delivering quality service, knowing that they are financially protected in case of unexpected incidents or accidents.
That’s why general liability is usually the first type of insurance food and beverage business owners buy.
For example, during a catering event, a guest accidentally trips over a loose cable and falls, resulting in injuries. The guest decides to file a lawsuit against the catering company, seeking compensation for medical expenses and other damages.
In this situation, the catering company's general liability insurance would come into play. It would cover the legal defense costs and any settlement or judgment awarded if the catering company is found liable for the guest's injuries. This insurance coverage helps protect the catering business from financial losses and provides peace of mind in such unexpected events.
How much does Local Restaurant insurance cost?
You can save up to 25% in discounts when you buy food and beverage business insurance with Gravy Spoon. The exact amount you pay will depend on
The type of food service business you operate
Where your business is located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work
Why Do Catering Businesses Need Insurance?
Food service business insurance provides comprehensive coverage to protect you from various unforeseen events and accidents, such as:
Slip and fall incidents involving customers on wet floors
Work-related injuries suffered by employees
Damage to equipment
Spoilage or damage to inventory
We understand that running a food service business comes with numerous responsibilities, which is why we have curated helpful checklists and tips specifically for restaurant owners. Our insurance policies are designed to alleviate some of the worries associated with managing your business.
By having the appropriate insurance coverage for your food service business, you can focus on running your operations and ensuring customer satisfaction without constantly worrying about potential financial burdens in case of accidents or mishaps.
How Catering Liability Insurance Protects Your Business?
Catering liability insurance provides important protection for catering businesses against various risks and liabilities. It covers third-party injuries, property damage, foodborne illnesses, product liability, and meets contractual requirements. With catering liability insurance, businesses can focus on delivering quality service, knowing that they are financially protected in case of unexpected incidents or accidents.
That’s why general liability is usually the first type of insurance food and beverage business owners buy.
For example, during a catering event, a guest accidentally trips over a loose cable and falls, resulting in injuries. The guest decides to file a lawsuit against the catering company, seeking compensation for medical expenses and other damages.
In this situation, the catering company's general liability insurance would come into play. It would cover the legal defense costs and any settlement or judgment awarded if the catering company is found liable for the guest's injuries. This insurance coverage helps protect the catering business from financial losses and provides peace of mind in such unexpected events.
How Much does Local Restaurant Insurance Cost?
You can save up to 25% in discounts when you buy food and beverage business insurance with GravySpoon. The exact amount you pay will depend on
The type of food service business you operate
Where your business is located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work
There’s a Lot to Love about GravySpoon
Get insurance in less than 10 minutes and you can save up to 25% in discounts*
Unique, flexible coverage with easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Other Important Business Insurance Coverage for Catering
Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your business property, your employees and your vehicles.
We typically recommend:
Workers’ Compensation
Worker's compensation insurance for catering is crucial in protecting catering businesses and their employees. It provides coverage for work-related injuries or illnesses that employees may sustain while performing their job duties. This insurance ensures that employees receive necessary medical care and wage replacement benefits if they are unable to work due to a work-related injury or illness. By having worker's compensation insurance, catering businesses fulfill their legal obligations and safeguard themselves from potential lawsuits related to workplace injuries.
Commercial Auto
Commercial auto insurance is an important component of catering insurance as it provides coverage for vehicles used for business purposes. Catering businesses often rely on transportation to deliver food, equipment, and supplies to various locations. Commercial auto insurance protects against potential accidents, damages, or injuries that may occur while operating company-owned vehicles or personal vehicles used for business purposes. It covers expenses such as vehicle repairs, medical bills, and liability claims resulting from accidents. By having commercial auto insurance, catering businesses can mitigate financial risks and ensure that they are adequately protected on the road.
Tools & Equipment
Tools and equipment insurance is an essential aspect of catering insurance, providing coverage for the valuable tools, appliances, and equipment used in catering operations. Catering businesses heavily rely on specialized equipment such as ovens, refrigerators, food processors, and utensils to prepare and serve food. In the event of damage, theft, or loss of these items, tools and equipment insurance helps cover the cost of repair, replacement, or reimbursement. This insurance coverage ensures that catering businesses can quickly recover from unexpected incidents without incurring significant financial burdens. It safeguards the investment in essential tools and equipment, allowing caterers to continue their operations smoothly and efficiently.
Other important business insurance coverage for Catering
Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your business property, your employees and your vehicles.
We typically recommend:
Workers’ Compensation
Worker's compensation insurance for catering is crucial in protecting catering businesses and their employees. It provides coverage for work-related injuries or illnesses that employees may sustain while performing their job duties. This insurance ensures that employees receive necessary medical care and wage replacement benefits if they are unable to work due to a work-related injury or illness. By having worker's compensation insurance, catering businesses fulfill their legal obligations and safeguard themselves from potential lawsuits related to workplace injuries.
Commercial Auto
Commercial auto insurance is an important component of catering insurance as it provides coverage for vehicles used for business purposes. Catering businesses often rely on transportation to deliver food, equipment, and supplies to various locations. Commercial auto insurance protects against potential accidents, damages, or injuries that may occur while operating company-owned vehicles or personal vehicles used for business purposes. It covers expenses such as vehicle repairs, medical bills, and liability claims resulting from accidents. By having commercial auto insurance, catering businesses can mitigate financial risks and ensure that they are adequately protected on the road.
Tools & Equipment
Tools and equipment insurance is an essential aspect of catering insurance, providing coverage for the valuable tools, appliances, and equipment used in catering operations. Catering businesses heavily rely on specialized equipment such as ovens, refrigerators, food processors, and utensils to prepare and serve food. In the event of damage, theft, or loss of these items, tools and equipment insurance helps cover the cost of repair, replacement, or reimbursement. This insurance coverage ensures that catering businesses can quickly recover from unexpected incidents without incurring significant financial burdens. It safeguards the investment in essential tools and equipment, allowing caterers to continue their operations smoothly and efficiently.
Frequently Asked Questions about
Catering Insurance
How does business insurance protect Catering?
Our restaurant insurance packages provide comprehensive protection for your business, safeguarding you from various risks while helping you save money to fuel your business growth. With our insurance coverage, you'll be financially protected against:
Damage to someone's property
For instance, if a server accidentally spills soup on a client's designer purse and cell phone, the general liability coverage included in your insurance package will assist in covering the cost of replacements.
Accidents that cause injuries
If a customer slips and falls in your restaurant's parking lot, our restaurant general liability coverage comes into play. It not only defends you against legal fees but also helps cover the damages if you are found liable.
Liquor liability insurance
In the event that an intoxicated customer accidentally injures another patron, such as knocking them to the ground, resulting in medical expenses, liquor liability insurance provides coverage for legal defense costs and potential medical bills you may be held responsible for.
Professional mistakes
If your staff provides incorrect information to a customer, leading to an allergic reaction and hospitalization, our general liability policy with professional liability insurance offers protection. It helps you defend against accusations of financial losses caused by mistakes.
Workplace injuries
When a kitchen staff member sustains a burn from hot oil and requires medical attention, workers' compensation coverage combined with business owner's coverage can cover their medical bills and lost wages during recovery. Workers' compensation is typically required by law for businesses with employees.
Injuries and damages involving business vehicles
If one of your employees accidentally backs the restaurant's van into a parked car, commercial auto coverage will assist in paying for the necessary repairs. This coverage is usually mandatory for business-owned vehicles as per legal requirements.
Damage to your own property
In the event of a fire, such as a grease fire that damages a significant portion of your kitchen, commercial property insurance can help with the costs of replacing or repairing your owned or leased property. It covers events like burst water pipes, fires, tornadoes, or vandalism.
By having the right insurance coverage, you can protect your restaurant business from unexpected incidents, ensuring financial stability and the ability to continue serving customers without being burdened by potential losses.
How does business insurance protect caterers?
Our catering service insurance packages are specifically designed to provide comprehensive protection for your business, allowing you to focus on growing and delivering exceptional service. With our insurance coverage, you'll be safeguarded against a range of risks, including:
Damage to someone's property
For example, if a busser accidentally damages countertops at an event space with hot pans, the general liability coverage included in your insurance package will help cover the cost of repairs.
Accidents that cause injuries
If a guest at an event sustains a burn from a buffet chafing dish that requires medical attention, your general liability coverage will come into play. It helps cover the medical costs and potential legal fees associated with the incident.
Workplace injuries
In the event of a server tripping over a guest's foot and spraining their ankle, workers' compensation coverage with business owner's coverage can assist in covering the medical bills and lost wages. Workers' compensation is typically mandated by law for businesses with employees.
Injuries and damages involving business vehicles
If you're involved in a rear-end collision with your catering van due to a driver stopping abruptly, commercial auto coverage will help cover the repairs and medical expenses. This coverage is usually required by law for business-owned vehicles.
Damage to your own property
In the unfortunate event of a grease fire that damages a significant portion of your kitchen, commercial property insurance can provide coverage for replacement or repair costs. It applies to covered events such as burst water pipes, fires, tornadoes, or vandalism, protecting your owned or leased property.
By having the right insurance coverage in place, you can mitigate potential financial losses, ensuring the smooth operation of your catering business and allowing you to provide exceptional service to your clients without unnecessary worries.
How does the claims process work with GravySpoon Insurance?
As a policyholder, you have the convenience of filing a claim at any time through our website. Simply visit our website gravyspoon.com and navigate to the "About us" tab, where you'll find the "File a claim" option. After submitting your claim, you can expect a prompt follow-up call from our team to discuss the details and assist you further.
If you are not currently a policyholder with us but need to file a claim against one of our policyholders, you can visit our website at gravyspoon.com. Under the "Support" tab, select "Help Center" and then choose "Not a policyholder and want to file a claim?" from the options provided. This will guide you through the necessary steps to initiate your claim.
We encourage you to visit our online help center, where our support team is available to provide further guidance and support.
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Top Professions
Food Distribution
Food Trucks
Local Restaurants
Franchises
Live Entertainment
Hotels
Catering
Banquets
© 2023 GravySpoon
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. GravySpoon Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.