When Do Caterers Need Liquor Liability Coverage?
Caterers generally should have liquor liability coverage anytime they’re serving alcoholic beverages, for a server may be held liable for incidents involving intoxicated patrons.
Caterers that regularly serve alcoholic beverages likely should include liquor liability coverage as standard protection within their caterer policy. Those that only serve alcohol occasionally might find that a short-term special event liquor liability policy can be purchased on an as-needed basis. Those who don’t serve any alcohol generally don’t need this coverage.
When Do Caterers Need Workers Compensation Coverage?
Workers' compensation normally protects against workplace injuries and illnesses, and most businesses that have employees in Massachusetts are required to carry the coverage. Thus, most full-time, part-time, seasonal, wedding and restaurant caterers need workers' compensation.
Caterers who are one-person operations, such as cooks that have side gigs, might not be legally required to carry this coverage. Cooks sometimes still get the coverage to protect themselves, for health insurance policies can exclude work injuries and employer-provided policies usually don’t extend to side gigs.
How Much Do Caterer Policies Cost?
Premiums for caterer policies vary because they’re based on a multitude of factors. A caterer's location, region served, menu and size are just some of the factors that can influence cost. Past claims, chosen coverages and many other details also frequently impact how much rates are.
An independent insurance agent can help caterers explore how much insurance will cost in their situation. Unlike captive agents, independent agents aren’t linked to any one insurance company and can explore policy options from multiple insurers.
How Can Caterers Get Catering Insurance?
For help finding catering insurance in Massachusetts, contact the independent insurance agents at Roger Butler Insurance. Our agents have the expertise necessary to ensure you get a policy that will protect your business well, and we can recommend policies regardless of what company offers them.
