Catering Companies Insurance
Coverage recommendations, carrier options, and cost estimates for insuring catering companies businesses. Built for independent agents quoting this class.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. Common claims include slip-and-fall at event venue.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include slip-and-fall at event venue. Agent note: Venues often require caterers to carry GL and name the venue as additional insured
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Commercial Auto
recommendedLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. For Catering Companies businesses, key exposures include vehicle transport of hot food. Common claims include vehicle accident during delivery. Agent note: Commercial auto or hired/non-owned auto is essential for food delivery operations
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Liquor Liability
situationalThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Catering Companies businesses, key exposures include liquor service liability. Agent note: Liquor liability is frequently required by venues and event hosts
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Foodborne illness liability
- Off-premises operations
- Liquor service liability
- Vehicle transport of hot food
- Seasonal workforce
Carriers That Write Catering Companies
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $200K - $2M revenue
Key Pricing Factors
- Annual revenue ($200K - $2M is typical for this class)
- Employee count (5-25 is typical)
- Number of events per year
- Liquor service (yes/no)
- Number of employees
- Vehicle fleet size
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our catering companies insurance cost page.
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