Catering Business Insurance
Catering Business Insurance is carefully tailored from the Commercial Package Policy (CPP) framework to address the variety of liability and property exposures that you face in your business as a commercial catering enterprise. Because you’re selling food, and often using the kitchen facilities at the venues you cater, it is important that your coverage address the risks of food contamination, spoilage, and food borne illnesses. Additional care and attention is required from the management of the catering and commissary business because the operations encounter the variability that comes from potentially working in a different facility on a regular basis while carrying out your work. Organizing to be successful for your customer and your business is a minimum requirement under these conditions.
Common types of events you cater include:
Weddings
Event Catering
Company recognition events
Working business lunch or dinners
College and University events
Graduation or passage events
Private events in residences
Food Tasting Events
Party catering
Church Events
Corporate cafeteria
School, College, University Cafeteria
Biggest Exposures for Catering Business Insurance
Serving food you prepare comes with the great risk of avoiding common allergens and liability and medical expenses that arise from patrons who become ill as a result of your food product represents one of your greatest exposure to loss. The minimum coverage in every Catering Business Insurance policy is Comprehensive General Liability (CGL). If your wait staff also serves alcohol you also have the additional burden to avoid over serving your patrons. You also have the potential liability that comes from the use of banquet hall kitchens, private or commercial kitchens, and other cooking venues like church kitchens. If your activities result in damage to the premises you are using, you may be responsible for the damage done. It takes extra consideration to account for the special coverage you may need for these potential exposures.
Catering Business Insurance Options
Commercial General Liability
- Bodily Injury Liability
- Property Damage Liability
- Products and Completed Operations Liability
- Personal Injury Liability
- Liquor Liability
- Ohio Stop Gap Liability
- Employment Practices Liability
- Employee Benefits Liability
- Premises Medical Payments
- Fire Legal Liability (CCC)
Business Property
- Building
- Business Personal Property
- Business Interruption
- Equipment Breakdown
- Food Spoilage
Mobile Equipment
- Equipment Away from the Primary Premises
- Equipment Floater/Inland Marine
Commercial Vehicles
- Bodily Injury & Property Damage Liability
- Uninsured Motorist
- Underinsured Motorist
- Hired Auto Liabilty
- Non Ownership Liability
- Medical Payments
- Vehicle Physical Damage
- Comprehensive (Other Than Collision)
- Collision
- Cargo for food being transported
- Rental & Transportation Expense (When Available)
- Towing & Road Service (When Available)
Umbrella Liability
- Available up to $10 Million (additional capacity may be available)
Surety Bonds
Common Limits of Liability include:
- $300,000/$600,000
- $500,000/$1,000,000
- $1,000,000/$2,000,000
- $2,000,000/$4,000,000
Professional Advice and Agency Service
A LICENSED OHIO AGENT COMES WITH OUR POLICIES
Quality coverage begins with understanding your needs and the extent of your operation and that is how we build Catering Business Insurance. I have 37 years of experience working with business owners and have a genuine interest in working with business owners and their business insurance needs. We represent quality carriers that have the ability to provide the coverage your business requires whether or not it is ultimately provided inside the flexible Commercial Package Policy (CPP) and its many options, or in our business owner form, or with mono-line coverage for general liability. Call and ask for Terry McCarthy at (513) 779-7920, 9-5 Monday – Friday most days. I schedule appointments at most other times of the day or week when needed.
We Offer Catering Business Insurance in these Areas:
- Butler County Catering Business Insurance
- Clermont County Catering Business Insurance
- Hamilton County Catering Business Insurance
- Warren County Catering Business Insurance
- Greene County Catering Business Insurance
- Clinton County Catering Business Insurance
- Preble County Catering Business Insurance
- Montgomery County Catering Business Insurance
- Cincinnati Catering Business Insurance
- Dayton Catering Business Insurance
- Ohio Catering Business Insurance
- Michigan Catering Business Insurance
