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Old 05-27-2007, 05:00 PM   #1
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Liability Insurance

I've decided to put all this BBQ equipment to use and try to do some on site cooking/catering. Can anyone recommend a company that specializes in insurance for caterers, how much insurance should be carried, and a ball park guess as to what the insurance should cost.

Thanks in advance for any recommendations.
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Old 05-27-2007, 09:10 PM   #2
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Old 05-28-2007, 08:21 AM   #3
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I've heard others say 5 or 600 bucks a year, but I got mine for
350.
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Old 05-28-2007, 06:05 PM   #4
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Westfield. $1mil policy is costing me about 600 or so a year.
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Old 05-29-2007, 01:51 AM   #5
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I'm using Erie and a million is about $650/year.
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Old 05-29-2007, 04:11 AM   #6
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Thanks for the suggestions everyone. I assume most of you have set up
a legal entity around your business. Does your insurance cover both your corporation and you personally should someone decide to sue your corporation and you both separately and/or jointly?
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Old 05-29-2007, 09:01 AM   #7
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I have two separate policies. I have a business liability insurance which is around $320 and an inland marine policy for insurance on the equipment and well as insurance for the trailer while it is being towed. Most will say you do not need a policy as well as it is being towed but the truck's coverage is ONLY a liabilty policy...whatever I hit, the pit hits, etc. is covered by the liabilty but whatever damage is caused TO the pit is not covered. I have a separate pit policy for while it is being towed. The pit is covered by 3 policies to ensure it is insured 24/7/365. The liabilty portion of my insurance for cateing is around $300 or so. I'm not sure what you have now in the way of insurance on your pits but for I needed to make sure my coverages protected me and my equipment and this policy is the result of that. Give me a call some time for more details.
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