Food Service Expertise
Deep specialization in catering and food service with A-rated insurers and industry-leading NPS scores. Coverage designed specifically for food professionals.
Comprehensive Protection
General liability up to $2M per occurrence with professional liability, equipment protection, and food service-specific enhancements for complete coverage.
Quote in 60 Seconds
Get quotes in under a minute through our streamlined digital platform. On-demand, monthly, or annual coverage options to fit your business needs.
50 States + DC
Available across all 50 states plus Washington DC with consistent coverage standards and competitive rates for all types of food service operations.
Why Food Service Pros Need Specialized Coverage
General liability insurance often lacks the specific protections that caterers, food trucks, and mobile food vendors need for their unique risks in food preparation and service.
Basic General Liability
- Food service exclusions
- No equipment protection
- Limited foodborne illness coverage
- No professional liability
- Slow policy issuance
- Generic policy terms
Our Food Service Coverage
- Food service fully covered
- Equipment up to $5K included
- Products liability included
- Professional liability bundled
- 60-second quotes
- Food service enhancements
Event Catering & Food Services Insurance Complete Guide
What is Event Catering & Food Services Insurance?
Event catering and food services insurance provides specialized general liability coverage for caterers, food trucks, personal chefs, bakers, and mobile food vendors with industry-specific enhancements that address the unique risks of food preparation and service businesses.
Why Do Food Service Professionals Need Specialized Coverage?
- Food Safety Risks: Foodborne illness claims, allergic reactions, and contamination incidents
- Products Liability: Coverage for prepared food products and beverages served to clients
- Equipment Protection: Coverage for cooking equipment, food prep tools, and serving supplies
- Venue Requirements: Many venues and event planners require proof of liability insurance
- Third-Party Injuries: Slip and fall accidents at events or service locations
Who Needs Food Service Insurance?
- Caterers: Corporate, event, wedding, and party catering services
- Food Trucks: Mobile food vendors at events, festivals, and daily operations
- Personal Chefs: Private chefs cooking in client homes or at events
- Home Bakers: Cottage food operations and home-based baking businesses
- Farmer's Market Vendors: Food stands and prepared food sellers at markets
- Mobile Vendors: Coffee carts, food stands, and mobile beverage services
Coverage Features and Benefits
Our food service coverage includes General Liability up to $2M per occurrence/$2M aggregate, Professional Liability bundled with GL, Equipment Protection up to $5K through Inland Marine, and Cyber Insurance up to $100K. Coverage is available on-demand (by the job), monthly, or annually to fit your business model.
Flexible Coverage Options
Get coverage on your terms - by the job, by the month, or annually. Perfect for seasonal caterers, weekend food truck operators, or full-time food service businesses. Modify, pause, or cancel your policy instantly from your desktop or mobile device.
Business Owners Policy (BOP) Available
For established food service businesses, our BOP includes GL up to $1M/$2M, Building coverage up to $1M, and Business Personal Property up to $500K - all in one convenient package designed for food service operations.