Catering to You

The Catering Business produces a variety of questions about insurance and liability. Whether you have a store front, a home-based operation or you run a food truck, we can help answer those questions about the right coverage for you.

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General liability for a catering company can cover a broad spectrum of things from bodily injury to property damage. In the event that a client might sue for one of these claims, general liability will help protect you, the caterer, from having to face a potentially large lawsuit.

Liquor liability is another large factor in determining general liability coverage. Does your catering business serve alcohol? Are the clients at risk for an alcohol-related incident? Who is serving it? How are the clients getting the alcohol if you’re not serving it? By making sure that your general liability policy encompasses liquor liability, you are ensuring that perchance there is an alcohol-related incident, your insurance helps protects you from legal fees.

Every catering business faces obstacles and we’re here to help you overcome them. Southern States Insurance wants to make sure that your company has the right catering insurance to keep your dreams alive, and we can start so by making sure you are properly protected.

Working in a fast-paced environment, such as the catering industry, employee injuries are almost unavoidable. Someone might slip and fall on a spilled drink or accidentally burn themselves on too hot equipment. Employees will get injured and if you do not have workers compensation in your catering insurance, it can cost you big money.

In the state of Georgia, if you have three or more employees, you must have worker’s compensation which also applies to uninsured subs. If an employee files for worker’s compensation, as the employer you must pay two-thirds of their wages and their medical expenses till he/she can work again.

There are several variables that impact on-site workers’ accidents:

  • high turnover rate
  • little-to-no training
  • a low skill set

One or more of these factors will increase the odds of having your employees injured while at work. How will you compensate?

If you own a catering business, odds are that you transport equipment, food and staff at some point. You may have a purpose built vehicle or perhaps you have converted your personal transportation for business usage, but either way it is important to have auto insurance coverage in your existing catering insurance.

Sometimes your personal auto insurance policy will cover your car if it is used commercially. You can verify this by checking with your current auto insurance company. However, if it is not, you will need to consider including extra coverage for any vehicle used in your catering business. Here is a list of transportation you might have and will want to include in your insurance policy:

  • Food Trucks
  • Refrigerated Van
  • Converted Catering Vans
  • Beverage Carts
  • Kiosks
  • Vending Carts
  • Concession Trailers
  • Mobile Kitchens
  • Icecream Trucks

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