What Kind of Insurance Do I Need for a Catering Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 27
- 2 min read
Starting a catering business—whether for weddings, corporate events, charity functions, or private parties—is a rewarding venture. But with food preparation, transportation, staffing, and equipment involved, there are risks that can impact your business financially and legally.
At Wexford Insurance, we specialize in helping catering and food service businesses find tailored catering business insurance. In this guide, we’ll walk you through the essential types of insurance coverage you need to operate safely and professionally.
Catering involves working in unpredictable environments, handling perishable goods, and managing staff and vehicles. Without proper insurance, a single incident—like food contamination or equipment damage—can lead to costly lawsuits or business interruptions.
Core Insurance Coverage for Catering Businesses
Protects against third-party claims for:
Bodily injury (e.g., guest slips on spilled drink)
Property damage (e.g., damage to venue flooring)
Personal injury (e.g., advertising-related claims)
If you use vehicles to transport food, staff, or equipment, this coverage protects against:
Accidents during deliveries
Damage to catering vans
Liability for injuries caused by your vehicle
Covers your physical assets, including:
Kitchen appliances
Refrigeration units
Furniture and fixtures
Inventory and supplies
Required if you have employees. It covers:
Medical expenses for work-related injuries
Lost wages
Rehabilitation costs
Protects your catering gear from:
Theft
Accidental damage
Equipment breakdowns
External Resources
Beyond insurance, here are three valuable resources to help you manage risk and operate safely:
Final Thoughts
Insurance isn’t just a formality—it’s a strategic investment in your catering business’s future. With the right coverage, you can focus on delivering exceptional service while staying protected from unexpected setbacks.
At Wexford Insurance, we work exclusively with catering and food service businesses to match you with insurance programs that understand your industry.
