Insurance for Wedding Caterers
Protect your business with wedding catering insurance faster than you can say “I do!”
Benefits of Insurance for Wedding Caterers
Free and Unlimited Additional Insureds
Additional insureds can be included on your policy at any time, free of charge. Add them while filling out your application or any time afterward from your user dashboard.
Completely Online Process
We keep it easy with an online checkout process so you can get coverage in ten minutes or less. Access all policy documents or update your coverage through the user portal.
Your Coverage Follows You
Catering takes your business to a variety of places and events. Get coverage that follows you wherever you go.
What Is Wedding Catering Insurance?
Liability insurance for wedding caterers is a type of catering insurance designed to safeguard your business from the expensive cost of claims, such as:
- A wedding guest getting burned on one of your chafing dishes
- Someone you served food to at a wedding getting food poisoning
- Your catering equipment getting stolen while you’re unloading at a venue
- One of your servers dropping a plate of food on a rug at the venue, leaving a stain so large the venue has to replace the rug
Your wedding catering policy can include the following coverages:
- General Liability
- Product Liability
- Damage to Premises Rented
- Inland Marine (Tools and Equipment)
- And more
If you need additional coverage, such as a trailer endorsement or increased limits, Food Liability Insurance Program (FLIP) can provide these as well to ensure your business is properly protected.
What Kind of Insurance Does a Wedding Caterer Need?
As a wedding caterer, you need insurance that will protect you in the event of a claim resulting from your business operations. In order to shield your business against these claims, you need the following types of coverage:
- General Liability Insurance
- Product Liability Insurance
- Damage to Premises Rented Insurance
- Tools and Equipment Insurance (optional)
If your catering business also serves alcohol, you will need catering liquor liability insurance in order to receive coverage for alcohol-related claims. Claims caused by the consumption of alcohol are not covered under a general liability policy.
How Much Does Wedding Catering Insurance Cost?
Insurance for wedding caterers starts at $25.92 per month. There are several factors that can affect the amount you pay for your policy, such as:
- The state you operate in
- The limits you choose
- If you include additional coverages in your policy
Additional coverages can increase the cost of your policy, but as a result you will have a more personalized policy that suits the unique needs of your business.
Wedding Caterer Insurance Coverage Types
With wedding caterer insurance from FLIP, you can receive the following coverage for your business:
- General Liability
- Product Liability
- Damage to Premises Rented
- Tools and Equipment (optional)
In addition to comprehensive coverage, you’ll enjoy several benefits with your FLIP policy, including:
- No-Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed in Most Locations
- Monthly Payment Options
Let's Talk About Numbers for Wedding Caterers
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Hear From Our Customers About Wedding Caterer Insurance
Here's what other people have to say about their experience from over 312+ available reviews.
FAQs About Insurance for Wedding Caterers
Why Do Wedding Caterers Need Insurance?
Catering weddings comes with a host of risks that can result in costly claims, such as:
- A guest contracting a foodborne illness from food you served
- A guest tripping over some of your equipment at the wedding and injuring themselves
- Your catering equipment being stolen while you were at a venue
These claims can result in expensive lawsuits that cost thousands of dollars and can seriously harm your business’ reputation and finances.
Will Wedding Caterer Insurance Protect My Equipment?
You can protect your equipment by adding Tools and Equipment coverage to your policy, which is an optional coverage type.
Because you travel with your catering equipment from venue to venue, you run the risk of damaging your gear in transit or even having it stolen. Tools and Equipment coverage can help cover the cost of replacing or repairing damaged or stolen equipment.
How Does the FLIP Claims Process Work?
If you need to file a claim, just follow these steps:
- Log in to your FLIP online user account
- Go to “Manage Policies”
- Select “File A Claim”
- Fill out the required information
- Submit your claim
What Are the Benefits of Wedding Catering Insurance?
By having wedding catering liability insurance, you’ll have the peace of mind that comes with knowing your business is safeguarded in the event of a claim. While it is possible to take steps to prevent accidents from happening, there is always a risk that one will.
Being insured will also lend more credibility to your business, as it demonstrates that your business is prepared for accidents that could occur as part of your business operations.
