Commercial industry
Catering Insurance
Catering is restaurant insurance that travels. The commissary is property and equipment breakdown. The event is premises and products at a venue you do not control. The van is commercial auto. If you pour, liquor liability has to follow the license off site, not just sit on a restaurant form back at the kitchen.
We place caterers who work weddings, corporate, and restaurant-affiliated off-premises programs. Standalone food trucks are a tighter appetite; if the truck is tied to a full kitchen, we write the pair. Venue additional-insured requests are a weekly certificate job for us.
Risks we actually schedule
- Foodborne-illness claims from an off-site service.
- Liquor-law claims at a wedding or corporate pour.
- Van and hired/non-owned auto on event days.
- Damage to a venue or to rented equipment you did not own.
Frequently asked questions
The venue says they have insurance. Do I still need my own?
Yes. Their policy is for them. They will still require you to name them additional insured and to carry liquor if you pour.
Do we need liquor liability for a cash bar the venue runs?
If you are not pouring, maybe not — but if your staff is serving, or the license is in your name, yes. Send the banquet-event order.
Are rented chafers and tents covered?
If the rental contract makes you responsible, we add rented equipment. Their waiver is not always a waiver.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsLiquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsRestaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry pageCoffee Shop
Espresso bars and cafes: a BOP that understands equipment, seating, and a second location that is really a roaster.
Industry pageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry pageNevada
Licensed commercial insurance broker serving Nevada.
State page