Think you need caterer insurance for food poisoning claims? Wrong. The real risks are way bigger than an upset stomach.
Forget Food Poisoning
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Unless you’re storing food overnight (don’t), food illness claims aren’t your problem. Here’s what actually keeps venue owners up at night:
Employee Injuries
When that catering staff member slips in your kitchen, guess whose insurance pays if they don’t have workers’ comp? Yours.
Fire Risk
Picture this: One tipped chafing dish, one burning linen, one farmhouse table up in flames. Without proper caterer coverage, your insurance takes the hit.
Reputation Damage
Professional caterers carry insurance. Period. If they don’t have it, they’re not professional – and that reflects on your venue.
The Real Protection You Need
Require caterers to show:
- Workers’ compensation coverage
- Property damage liability
- Professional liability
- Current certificates
- Proper limits
Smart Rules to Live By
- No overnight food storage
- Check certificates before every event
- Verify coverage limits
- Document everything
- Keep records updated
Bottom Line
Stop worrying about food poisoning claims. Start protecting against the real risks that could burn your venue down.
Need help creating solid catering requirements? Let’s talk.
