Protect your catering business from event risks, food-related claims, client injuries, and property damage. Get fast, event-ready coverage for caterers, food trucks, mobile vendors, and corporate or wedding teams—with same-day certificates for venues.

Caterers face risks tied to food prep, serving, transport, staff activity, and event environments. Harper Insure understands these exposures and guides you toward coverage built for the services you provide, whether you work weddings, corporate events, festivals, or private gatherings. Instead of generic business insurance, you receive direction shaped around real catering scenarios, including spills, burns, foodborne illness claims, equipment damage, and venue requirements—ensuring clear protection for every event.
Venues and corporate clients often require proof of insurance before confirming a booking. Harper Insure provides fast, accurate certificates that you can send directly to event managers, coordinators, or clients. If you need additional insureds or updated documents for recurring events, our team handles requests quickly so you never miss a deadline. This simple process keeps you compliant with venue rules and helps your catering business appear reliable, professional, and ready for any type of event.
Catering insurance can feel confusing, especially when policies use terms unrelated to real food-service operations. Harper Insure explains your coverage in plain language so you understand what's included and what isn't. We walk you through general liability, professional liability, product liability, and equipment protection—and how each applies to catering work like food prep, serving, transport, and setup. With clear guidance, you can confidently choose coverage that fits your catering business without worrying about hidden gaps.
Whether you cater weddings, corporate events, private dinners, outdoor festivals, or food-truck setups, every service brings different risks. Harper Insure helps match coverage to your operations, equipment, and event types. From hot food handling and buffet setups to mobile stations and staff service, we guide you toward policies built for your workflow. If you offer higher-risk services, we explain relevant endorsements so your coverage stays aligned with your business model and long-term growth.
Caterers work in varied environments—commercial kitchens, event halls, outdoor venues, private homes, and mobile setups. Harper Insure helps you secure coverage designed for each space. Whether you run a staffed catering company, work solo, manage a food truck, or deliver meals to events, we guide you toward insurance suited to your setup. You'll understand when higher limits are needed, when to add additional insureds, and how coverage follows you to different venues, keeping your business protected wherever you serve.
Catering involves everyday risks, including foodborne illness, spills, burns, equipment issues, and damage caused during event setup. Harper Insure focuses on these exposures by helping you choose policies designed to address them. Depending on your services, your coverage may include general liability, professional liability, product liability, equipment protection, or event-specific add-ons. Our goal is to help you avoid gaps that could impact your business or reputation, giving you confidence at every event.
Harper Insure compares options from multiple carriers to help you find the right combination of pricing, coverage, and eligibility for your catering operations. This approach ensures your policy reflects your event types, business size, equipment needs, and venue requirements. You receive clear comparisons that highlight each option's strengths and limitations. Whether you're a solo caterer or managing multiple teams, we help you select coverage that fits your workflow and supports your growth.
Harper Insure supports the full range of catering professionals, including independent caterers, small teams, food trucks, mobile vendors, corporate event caterers, and wedding specialists. Whether you are launching your business or expanding into larger events, we help you secure insurance that adapts to your growth. Our team understands venue demands, food-service risks, and the operational challenges caterers face. With industry-specific guidance and quick support, Harper becomes a long-term partner in protecting your catering business with confidence.
Catering insurance protects your catering business from event-related risks, client injuries, foodborne illness claims, equipment damage, and property issues at venues. It typically includes general liability and professional liability, with optional coverage for equipment, food transport, or special events. Many venues and event planners require proof of insurance before confirming a booking, making catering insurance essential for compliance, professionalism, and long-term business stability.
Find quick answers to the most common questions about our services.
Most caterers need general liability for guest injuries and property damage, and professional or product liability for food-related claims. Businesses with staff may also need workers comp, equipment protection, or event add-ons. Harper helps you choose coverage that matches your catering work and event requirements.
Many venues, event planners, and corporate clients require liability insurance before confirming a booking. Some states may link coverage to food-service licensing. Even when not mandatory, insurance protects you from claims that could affect your finances or event schedule. Harper helps you stay compliant and prepared.
Costs vary by state, event type, business size, and required limits. Solo caterers may pay around $20–$50 per month, while larger catering teams often range from $800 to $2,500+ per year. Add-ons like equipment or liquor liability can affect pricing. Harper helps you compare options to find the best fit.
Yes. Professional or product liability may help protect you if a guest reports illness linked to your food. Coverage applies when the service follows licensing and policy rules. Harper helps you understand what's included, ensuring your policy aligns with your food preparation and serving practices.
Many catering policies offer optional coverage for equipment like warmers, coolers, tools, cooking stations, food transport units, and mobile setups. This protects you from loss, theft, or damage that could disrupt events. Harper helps you evaluate equipment add-ons based on your catering needs.
Yes. Most venues require being listed as an additional insured for events on their property. Harper Insure helps you add venues, update certificates, and meet contract requirements, ensuring smooth event approvals. Certificates can be issued quickly for last-minute bookings or changes.
Protect your catering business with fast, reliable coverage tailored to your event work and food-service operations. Get matched with the right policy for your services, venues, and state requirements—and receive event-ready certificates without delays. Start your personalized catering insurance quote today.
