Catering Insurance 

Venues will not book a caterer without proof of insurance, and the cheapest certificate is rarely the right coverage. Pro Insurance Group builds catering programs around how event work actually happens: foodborne illness exposure, alcohol service, equipment in motion, and same-day certificate demands. As an independent broker, we quote your program across multiple specialty carriers instead of one company's appetite.

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Licensed in Illinois & 40+ states  |  Multiple specialty carrier options  |  Same-day certificates of insurance  |  5-star rated agency

Essential Coverages for Caterers

General Liability with Products Coverage

The foundation of every catering program. General liability covers third-party injuries and property damage at events, and its products and completed operations portion responds to the claim every caterer fears most: your food made guests sick. Verify your policy carries no foodborne illness exclusion, and match limits to your venue contracts; most require 1 million dollars per occurrence.

Liquor Liability

If you supply, serve, or pour alcohol at events, Illinois requires dram shop coverage, and venues will require proof before the bar opens. This applies even when you pour alcohol the client purchased. Our Illinois liquor liability programs include the additional insured endorsements planners and venues demand.

Commercial Auto

Personal auto policies exclude business use, and catering is nothing but business use: delivery runs, equipment hauls, staff transport. Every vehicle that moves food, equipment, or employees needs commercial auto, with hired and non-owned auto added when staff drive their own cars to events.

Inland Marine Equipment Coverage

Your ovens, warmers, smallwares, and rented equipment spend their lives in motion, and standard property insurance stops at your kitchen door. Inland marine coverage protects equipment in transit and at event sites, including borrowed and rented gear your contracts make you responsible for.

Workers Compensation

Illinois requires workers compensation with your first employee, including part-time event staff. Kitchen burns, lifting injuries, and loading dock accidents make catering a real-exposure class.

Catering Operations We Insure

Full-service catering companies, home-based and cottage food caterers, corporate and wedding caterers, caterers with bar service, food truck and concession trailer combination operations, and commissary or shared kitchen users. If your operation also runs a restaurant, we build one program that covers both sides without gaps or double-paying.

Why Caterers Choose Pro Insurance Group

We build catering programs the way the work actually happens: general liability limits matched to your venue contracts, liquor liability with the endorsements planners demand, auto and inland marine sized to your fleet and equipment, and certificates issued same day when a venue asks. When the renewal hardens or a claim hits, you call a broker who knows your file, not a portal.

Frequently Asked Questions

Get a Catering Insurance Quote in 1-2 Business Days

Tell us about your operation, your events, and whether you pour, and we will return quotes from the specialty markets built for caterers, with the certificates your venue contracts require.

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