Caterers Insurance
Caterers face specific risks — foodborne illness, off-site accidents, liquor liability. The right business insurance protects your income, your clients, and your license. Below are the coverages most caterers carry, plus state-by-state guides and free quotes.
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Coverages most caterers need
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every small business needs.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for company cars, vans, and trucks.
Liquor Liability
Required by many states for businesses that serve or sell alcohol; covers claims arising from intoxicated patrons.
Workers' Compensation
Pays for medical bills and lost wages when employees are injured on the job. Required in most states once you have employees.
Caterers insurance by state
Select your state for local requirements, costs, and quotes.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- District of Columbia