Caterer Insurance
4.8/5 on
- Meet Venue Insurance Requirements
- Bundled General & Product Liability
- Free, Unlimited Additional Insureds
- Optional Inland Marine Coverage
What Is Caterer Insurance?
Caterer insurance is a specialized food liability policy designed to protect your catering business from the financial messes that can come with accidents, injuries, or property damage.
From a spilled tray of soup to an oven-scorched venue wall, our policy helps keep your business serving with confidence.
Unlimited Event Coverage: One policy covers you at weddings, festivals, corporate gigs, and more with 365 days of event-approved protection.
Protect Every Plate: Every policy includes product liability to help cover accidents caused by your food, from allergic reactions to foodborne illness.
Insurance On-the-Go: Whether you’re in a food truck, private kitchen, food trailer, or pop-up tent, you’re protected wherever you plate or pour.
What Type of Insurance Does a Catering Business Need?
Every catering operation is different — your coverage should be, too. Here are the most common coverage types caterers often need to stay protected:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
- Free, unlimited additional insureds
Like a handcrafted menu, we provide an assortment of optional a la carte coverages you can add to personalize your policy! Choose from:
How Much Does Insurance for Caterers Cost?
Caterer insurance starts at just $25.92 per month or $299 per year. Need more coverage? You can easily customize your policy with add-ons like liquor liability or tools and equipment protection.
Food for Thought:
The most common claim we see from catering companies is damage to rented spaces, averaging $4,300 per incident. Insurance helps keep that kind of check off your plate!
Coverage Details
General & Professional Liability
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products.
$2,000,000
Products & Completed Operations Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products
$2,000,000
Personal & Advertising Injury
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$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
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
We’ve teamed up with Food Liability Insurance Program (FLIP), one of the most trusted catering insurance companies, to bring you customizable, affordable coverage through Insurance Canopy. Enjoy top-rated protection and access to FLIP’s exclusive trailer endorsement coverage today!
Questions About Insurance for Caterers
What Does General Liability Insurance Cover for Caterers?
General liability insurance covers injuries or property damage caused by your business, like slips, spills, or venue damage.
From plating hors d’oeuvres in a ballroom to grilling kebabs from a food truck, general liability can cover you for common claims your business may face!
Do I Need Product Liability Insurance if I Only Cater Events Occasionally?
Yes, you absolutely need product liability insurance if you only cater events occasionally! Lucky for you, it’s automatically included with general liability insurance on our catering policy.
Even one event can lead to claims from food-related incidents like illness or allergic reactions. Most short-term event policies only offer general liability, and this coverage alone will not cover any accidents related to the food you serve, making product liability a key coverage for any catering business.
Are My Employees Covered Under My Catering Insurance?
No, your employees are not covered under your catering insurance for workplace injuries or illnesses. You’ll need workers compensation insurance to cover your employees for these types of claims.
Catering insurance may only cover accidents caused by your employees, such as a patron tripping over condensation left on the floor or an employee mistakenly pouring grease down a rental kitchen’s drain.
Do I Need Additional Coverage for Off-Site Catering Events?
Yes, you may need additional coverage for off-site catering events, like:
- Inland marine coverage for theft or damage that occurs to your tools and equipment
- Liquor liability coverage for any alcoholic beverages you serve
- Food trailer endorsement to cover a mobile food trailer when it’s parked and detached
- Excess liability to raise your policy’s limits to meet a venue or event’s requirements
Additional coverage allows you to customize your policy to your business and get the protection you need to focus on what you do best: catering!
Why Do I Need Caterers Insurance?
You need caterers insurance to:
- Meet event or venue requirements
- Cover the cost of claims and lawsuits
- Show proof of insurance for contracts
- Name additional insureds on a policy
Without insurance, a single claim could drain your savings or shut down your business. Insurance gives you the protection you need so you can focus on the food.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
As the saying goes, “it’s not what you know, but who you know.”
Your first event is booked. You’re excited to sell…until the organizer starts asking
Setting up a vendor booth shouldn’t feel chaotic. It should feel like: ✔️