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Off-Premises Party Caterer: Do You Have Proper Insurance?

Whether it’s a holiday party or a special event, a business that provides catering to different locations includes those engaged in take-out and pick-up, drop off and delivered, 3rd-party, food trucks – and full service catering. All of these different venues of catering need insurance protection that will shield it from possible liability.

RELATED: what about food contamination insurance protection?

What Type of Caterer Insurance Coverage?

Insurance can include a number of key forms of associated coverage:

  • Commercial General Liability Insurance (including mental anguish or emotional distress liability coverage)

  • Subcontractor Insurance

  • Equipment Breakdown Insurance

  • Personal and Advertising Injury Liability Insurance

  • Employment Practices Liability Insurance (EPLI)

  • Inland Marine Insurance

  • Loss of Income Insurance

  • Liquor Liability Insurance

  • Other Related Insurance Coverage

For those caterers that service customers only part-time, as an occasional occupation, and do not need coverage on a consistent yearly basis, they can buy related coverage as it relates to each special event serviced.

For more information about full and off-premises catering, contact the experienced insurance professionals at Prime.


PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, The Hartford, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. HAVE A PRIME DAY™! Visit us on our online insurance website; email us at PRIME [at] primeins [dot] com or call us at 732-886-5751.


Summary: If you are a caterer that deals with off-premises servicing, your insurance needs differ from the standard form of catering. Learn what type of coverage suits your particular needs here in this special report.


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