What is Catering Insurance?
Operating a catering business can be a both personally and financially rewarding career, but it’s a path that comes with some inherent risks. Catering insurance policies help catering businesses in Massachusetts shield themselves from a variety of perils that they face.
Catering insurance policies are commercial policies that have been specifically designed to meet the coverage needs of caterers and their businesses. Policies usually are written as package policies, which means they come with multiple individual coverages, so they can provide a wealth of protection.
What Businesses in Massachusetts Need a Caterer Insurance Policy?
The vast majority of caterers in Massachusetts ought to carry a caterer insurance policy, for few businesses are risk-free and this tends to be the most appropriate kind of insurance for caterers. Some specific examples of businesses that might want a caterer policy include:
- Full-time catering businesses
- Part-time and seasonal catering businesses
- Employed cooks and chefs who cater alone on as a side-hustle
- Restaurants that offer catering in addition to traditional dining
Do Food Trucks Need Caterer Insurance?
What type of insurance is best for a food truck depends both on the truck’s specific activities and the terms contained within a particular insurance policy. Some trucks might get a caterer insurance policy, but many are better off with a food truck insurance policy.
An insurance agent who specializes in caterer policies can help food truck owners determine whether this is the right type of commercial insurance for their business.