Insurance for Caterers
Insurance for Caterers
Why Insurance for Caterers matters
A caterer has many activities and duties to do to pull off a great event. In the course of their business, there is the risk that something could go accidently wrong, exposing them to public risk.
A caterer typically;
- Plans and prepares menus for an event
- Prepares and cooks the food for events
- Provides and coordinate wait staff
- Sets up the event
- Cleans up after the event
There is the risk of injury to your clients and their guests if they were to hurt themselves because of your negligence. Adequate insurance coverage will protect you from the financial burden if this were to happen.
What Type of Insurances Does A Caterer Need?
Morgan Insurance Brokers provides a complete range of specialist catering insurance policies designed for mobile caterers, event caterers, wedding caterers, and commercial kitchen operators. For a deeper breakdown of what caterers need and how the risks differ from other hospitality businesses, you can read our full guide here: Catering Business Insurance – Specialist Hospitality Broker. Unlike standard insurers, we work with hospitality-focused underwriters who understand the risks of off-site food service, food transportation, and portable equipment.
Covers injuries, property damage, food poisoning, allergen reactions, and incidents that occur at event venues, private homes, corporate offices, or outdoor locations.
Includes essential protections such as property cover, stock, glass, theft, money, and business interruption, tailored for catering operations.
Protects owners and management from employee claims, OH&S breaches, unfair dismissal, discrimination, or regulatory actions, critical for businesses with casual or seasonal staff
Covers online booking systems, invoicing, digital payments, and client data from cyber-attacks, ransomware, and data breaches.
Cover for business-owned vans or vehicles used to transport food, equipment, or event supplies.
How Morgan Insurance Brokers can help your Caterering Business
Morgan Insurance Brokers has insured countless catering businesses and know the risks that they face and how the correct insurance cover can mititage the financial risk if someone were to sue you for property damage, or injury claims. There should also be consideration when it comes to insuring your own equipment as well. Contact us today.
