do caterers require insurance
Caterers liability insurance(s) can be simple or complicated. For example, if youâre a larger business (with employees) you will need: 1  General liability insurance. 2  Liquor Liability (recommended if you serve alcohol). 3  Commercial auto insurance for the delivery of food.4  Hired and non-owned auto if an employee uses their vehicle to run an errand or deliver food.ost caterers start out with a dream â¦.a dream born from the love of cooking and baking, and their desire to share their delicious dishes with more than just friends and family.
Insurance policies you may need depending upon your specific catering business include the following: 1  Catering insurance: Catering insurance is a specific form of business insurance. 2  It includes the coverage options necessary to protect your business from the inherent risks in the catering industry.hether you own a small two-person catering business or a large multi-employee company that caters large corporate events, you will need to have appropriate insurance coverage. Some insurance policies are mandatory, while others are optional but very important for protecting your business finances.