CATERING INSURANCE

Whether you are a small home-based off premises caterer or a major event facility we can offer the proper insurance at the best prices. In addition, many policies we offer are non-auditable which means you will know the true cost up front. The predominant lines of coverage include injury from food poisoning, liquor and premises liability.

If catering is your actual business, it does not qualify for 'one-time' or single-event insurance programs. However, a typical business insurance policy for $1,000,000 including General Liability for a catering service runs about $800-$1100/a year. This type of policy will include products/completed operations, personal injury / advertising injury, fire damage and medical payments coverage for every single event you may do over a 12-month period. This is extremely affordable considering if a claim or lawsuit was made against you and your company, it would be difficult to defend or settle it out of pocket and still keep your business running.

How will you protect your business against an auto liability suit if a food delivery was made by a driver using their own vehicle?

The following questions address the third party liability issues that face most food establishments and catering facilities.

• Are deliveries made?
• Is raw food served?
• Who's vehicles are used for deliveries?
• Is catering done off premises?
• Are parties arranged?
• What are the age of the servers?
• How much inventory is stored on premises?
• What type of thermostats are used?
• Are computers protected by surge protectors?
• What are the types of fire protection equipment?
• Are there mechanical breakdown issues?
• What is the construction of the building?
• How are the improvements covered?

The financial impact of a third party liability suit can be as devastating as the total loss from a hostile fire. Both types of losses can be very serious therefore it makes sense to discuss the type of policy that protects the liability issues along with the property coverage.

Catering Insurance coverage includes, but is not limited to :

• General Liability
• Liquor Liability
• Business Personal Property
• Food Spoilage
• Coat Check
• Worker’s Compensation
• Discount Insurance – Reduced premiums based on safety and claims are available at RSI-Insurance. Quality insurance companies who are market leaders in the restaurant and bar insurance industry will offer free classes and training to their insureds employees and discounts on premiums for having safety training and having a no claim history. Some insurance companies will reduce premiums by 15-20% for this basic safety training If your restaurant, tavern, or bar has had good track record and you like to save some money contact RSi-Insurance for free insurance quote now.
• Unlimited Additional Insured’s on many policies
• Employment Practices Liability – to protect you against complaints for age, gender, & race discrimination, sexual harassment, and wage & hours disputes

If you need insurance for your catering business in the states of New York, NY New Jersey,NJ or Connecticut,CT Contact RSI-Insurance for a fast and free quote.It only takes a day or two for Rsi-insurance to shop the best rates and program for a catering business, plus we can even get coverage if your business does events in more than one state. As insurance Brokers we have you (the client) best interests in mind not the insurance companies. We shop around for the best prices for you.

Many of our carriers offer non-auditable policies with interest free installments. We will be happy to provide you with a quote. Give us a call at 914-332-1700; email us at ira@rsi-insurance.com: or complete the online application by clicking the quote button. The quote is free and carries no obligation of any type.