Catering Insurance

Caterers face a complicated set of risks and challenges.  Whether working in their own kitchens or preparing food at event sites, they have to follow strict food safety guidelines while keeping their customers happy.  Meanwhile, dealing with commercial vehicles, regulations for serving alcohol, and workers compensation programs make for some complex logistics.

With everything you have to worry about in your catering operation, make sure that your business is safeguarded against mishaps and accidents with a catering insurance policy from O’Connor & Co. Insurance Agency, Inc.

Our catering insurance packages offer a combination of features for the small business owner and the professional caterer, typically including:

• Business Owners Policy – A Business Owners Policy (BOP) is a standard package for small business owners and usually includes property coverage for your place of business and catering equipment; liability coverage for injuries or property damage sustained on your premises or at a catering event site; and business interruption insurance to cover expenses when your work is disturbed by fire, natural disaster, or other named perils.
• Liquor Liability Insurance – While a BOP will protect your business against normal liability risks, liquor liability insurance will help pay for costs if you are sued because an intoxicated patron causes damages or injuries after being served by you at a catering event.
• Workers Compensation –  As mandated by state laws for employees of your business.
• Commercial Auto – Standard coverage for vehicles used for transporting food, equipment and employees in your catering business operations.

If you run a catering business in Massachusetts or Connecticut, contact O’Connor & Co. Insurance Agency, Inc. today to speak with one of our small business insurance experts about creating a catering insurance policy that meets your company’s needs.