Catering Insurance in New Hampshire

Also providing catering insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is catering insurance?

Every caterer knows well how many things can go wrong during an event. Catering insurance won’t protect caterers in New Hampshire from spilled wine, burnt toast, or broken dishes. It could provide financial protection against a host of more major things that could go wrong, though.

Catering insurance is a specialized commercial insurance policy tailored for caterers. It typically includes multiple coverages bundled together, addressing multiple property and liability concerns.

Which New Hampshire businesses is caterer insurance for?

Most catering businesses in New Hampshire should have caterer insurance. Full-time caterers, part-time caterers, seasonal caterers, and wedding caterers may all get policies.

Even cooks and chefs who have a catering side hustle might want coverage. Sometimes individuals who have small catering gigs are tempted to forgo issuance, but this can be disastrous if a kitchen burns down or guest chokes. Even individuals should consider coverage, and a knowledgeable agent might be able to find a policy that’s quite affordable.

Do food trucks need caterer insurance?

Food trucks have unique insurance needs. Depending on their setup and operations, they may benefit from either caterer insurance or food truck insurance. 

An insurance agent who understands caterer insurance well can help determine which option is best for a particular food truck.

What coverages are available through catering policies?

Catering policies typically provide protection against property and liability risks. Protections can vary from one policy to another, but often include:

• Commercial Contents Coverage: May protect equipment, utensils, and foods against damage or loss.
• Food Contamination Coverage: May protect foods against spoilage following a covered event.
• Equipment Breakdown Coverage: May protect essential equipment against unforeseen breakdowns.
• Commercial Auto Coverage: May protect work cars, vans, or trucks used when catering events.
• General Liability Coverage: May protect against common accidents resulting in a third party’s injury or property damage.
• Liquor Liability Coverage: May protect against common accidents and other incidents that involve intoxicated patrons.
• Product Liability Coverage: May protect against illnesses caused by foods or drinks that a caterer serves.
• Commercial Umbrella Coverage: May provide additional liability protection, in the event of an expensive lawsuit.

Caterers that own their own facility usually also need commercial building coverage. An insurance agent specializing in catering policies can help make sure all necessary coverages are in place.

When do caterers need to have liquor liability coverage?

Liquor liability coverage is generally recommended whenever caterers serve alcohol. This is one of the few coverages that typically protects against accidents, and often other incidents, in which intoxicated guests are involved.

Caterers who regularly serve adult drinks will likely find that including liquor liability as one of their caterer policy’s standard coverages is the best option. Those who serve adult beverages only at the occasional event may acquire coverage on an as-needed basis through a short-term event policy.

When do caterers need to have workers compensation coverage?

New Hampshire businesses are normally required to have workers compensation if they have employees. The coverage generally protects against workplace injuries and illnesses that employees could suffer.

Thus, caterers usually need workers if they have employees. Most part-time, full-time, and wedding or event caterers probably need the coverage. Individuals who cater private events by themselves, either as a regular or side gig, may not need workers compensation.

When it’s necessary, workers compensation might be purchased within or separately from a caterer policy. 

How much do caterers pay for insurance?

Caterer policies’ premiums vary based on factors like location, region served, menu, size, past claims, chosen coverages, etc. An independent agent can help check quotes from multiple insurance companies. This is an easy way to see how much different companies will charge.

Where can caterers find catering insurance?

If you need help finding catering insurance in New Hampshire, reach out to the independent insurance agents at Insurance24. Our agents will work with you to determine coverage needs and other details. We can then help you find the best policy that meets your needs.