Florida Caterer Insurance quote and information.

1. How do insurance companies define Caterer?
2. What risk exposure do Caterer have?
3. What is the price of Caterer insurance?
4. Is insurance for Caterer required in Florida?
5. What coverages are common to Caterer businesses?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Caterer Insurance?

Caterers prepare and serve food at a customer’s location or rented facility for parties, weddings, meetings, receptions, etc. Food is usually prepared off site and brought in. Because of this, the products exposure is higher due to the time delay between preparation and service of food. Caterers often provide more than just food, also offering services such as linen and dishes, chairs and tables, entertainment, wait staff, music, decorations, and alcoholic beverages. Help protect your business with Florida Caterer Insurance today!

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What risk exposure do Caterers have?

Property Exposures

Are from the cooking. While this type of operation is more of an oven type operation, there are
some grills and deep fat fryers that must have fire extinguishing protection, hoods and filters. The Florida kitchen must be kept grease free to prevent fire spread and also to protect employees. Kitchen cleanliness is the best prevention to fire.

Inland Marine Exposures

Include contractors’ tools and equipment, the transport of materials, and installation exposure. The types of
Inland marine exposure involves the goods of the insured being off site. The Florida insured will need a special floater to accommodate the various types of equipment that must be used for the catering.

Premises Liability

Premises liability is an off-premises exposure at a location that is generally not familiar to either guest or employee. It is very important that the owner has reviewed the area before the food is set and has determined the hazards involved in serving the food. Servers must be well trained in handling of hot food and accommodating the customers. The contractual arrangements must be made with standard contract of understanding to prevent disputes. There must also be a contract with the establishment where the food is served so that responsibilities are clearly understood. Florida products liability exposure can be controlled by monitoring the quality of food received, maintaining proper storage temperature and type, and quality control on length of time food may stay in the buffet or cafeteria area. Maintaining proper temperatures during transport is vital.

Automobile Exposures

Business automobile exposure occurs as the food is being transported from home premises to serving location. It is important to be aware of the distance, the expertise of the Florida driver and the maintenance of the vehicles. While it is important to transport the food in a timely manner, there must be sufficient time provided for the safe transport of the food.

Workers Compensation

Workers compensation exposures come from slip and fall, cuts, burns and heavy and awkward lifting. The Florida employees tend to be minimum wage and turnover may be high. Company incentives to encourage long-term employment are positive.

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What is the price of Caterer insurance?

There’s no single price, because insurers rate each catering business on its own details. The biggest factors are the ones our quote form asks about: your number of employees and payroll; your annual sales; the square footage of your location; whether you use subcontractors and whether they’re insured; the liability limits you want; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Caterers required in Florida?

Florida requires workers’ compensation once a catering business has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

Event venues often require caterers to carry general liability, and sometimes liquor liability, with specific limits and to name the venue on the policy. Check each venue’s contract before the event.

What other insurance should a Caterers consider?

Business Personal Property, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Commercial Auto, Workers Compensation

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.