Catering Insurance
Caterers need general liability, products liability, commercial auto or hired & non-owned auto for transport, liquor liability if they serve alcohol, and workers' comp. Working at customer venues off-site is the defining exposure.
Key exposures
- Off-site events at customer venues
- Transport of food, equipment, and staff (HNOA)
- Alcohol service at events (liquor liability)
- Foodborne-illness / products
- Equipment and rentals
Coverages you typically need
General liability with products, commercial auto or hired & non-owned auto, liquor liability when you serve or supply alcohol, property/equipment, and workers' comp. Venues often require you to add them as additional insured.
Cater off-site? Let's cover the venues, the drive, and the food.
FAQ
Do caterers need hired & non-owned auto?
Often yes. If staff drive their own or rented vehicles to events, hired & non-owned auto covers the business's liability.
Do I need liquor liability as a caterer?
If you serve or supply alcohol at events, yes — and venues may also require it by contract.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; terms vary by carrier and state. Related: restaurant & bar insurance · liquor liability · glossary · quick quote.