Catering Insurance

Once your policy is bound, Pro Insurance Group issues certificates of insurance same day, including additional insured endorsements for venues and planners. If an event is days away, tell us the venue requirements up front and we will prioritize the markets that bind fastest.

Most venues require 1 million dollars per occurrence and 2 million aggregate in general liability, additional insured status for the venue, and proof of liquor liability if alcohol is served. Larger venues and corporate clients sometimes require an umbrella on top.

Yes. Home-based caterers still face foodborne illness and event liability exposure, and many commercial kitchens and farmers markets require proof of coverage. We place small programs that grow with you as you add staff, vehicles, and alcohol service.

Yes. Caterers who also operate a food truck or concession trailer need commercial auto plus coverage for the unit and equipment. We build combined programs so there is no gap between your catering operation and your mobile unit.

It depends on your role. If you pour or serve alcohol, even alcohol the client purchased, you have exposure that requires liquor liability in Illinois. If alcohol is handled entirely by the venue or another vendor, your program may not need it. We review each contract scenario before quoting.

Your annual revenue, number of events and typical guest counts, whether you serve alcohol, payroll and staff count, vehicles used for the business, and your largest venue contract requirements. With that, we return quotes from multiple specialty carriers, usually within one to two business days.