What is Catering Insurance?
Catering events for clients is a fun and potentially profitable career. It comes with several inherent risks, though. Catering insurance policies help protect caterers from lots of the risks they’re exposed to every time they cater an event.
Catering insurance is similar to restaurant insurance, but catering policies take into account the unique challenges and risks that serving food at off-site locations presents. Most catering policies are written as package policies, combining several coverages into a single policy.
What Coverages Are Offered by Catering Policies?
The exact coverages that a catering policy offers are usually customized for a caterer’s particular situation. Therefore, not all catering policies have the same coverages. Nevertheless, there are many coverages that lots of policies do offer. These coverages can be grouped into property protections and catering liability insurance protections.Property coverages help protect the property that caterers own. Even though caterers may not own a building, they still usually have property that should be insured. Catering liability insurance coverages help protect caterers in situations where they’re at fault or accused of being at fault.