Question 1

What is a common misconception about General Liability for Catering & Events?

Accepted Answer

Caterers operating at someone else's location think the venue's GL covers them. It doesn't — your acts are your liability.

Question 2

What happens if catering & events don't have General Liability?

Accepted Answer

Guest slips on a spilled drink at your event — $42K medical. GL pays.

Question 3

What is a common misconception about Liquor Liability for Catering & Events?

Accepted Answer

Caterers think 'we don't sell alcohol at off-premises events — the host buys it.' If you're pouring/serving, you have liability regardless of who bought.

Question 4

What happens if catering & events don't have Liquor Liability?

Accepted Answer

A wedding guest leaves drunk and causes a fatal accident. Catering firm sued for over-service. Liquor liability defends.

Question 5

What is a common misconception about Workers' Compensation for Catering & Events?

Accepted Answer

Per-event 1099 staff often misclassified.

Question 6

What happens if catering & events don't have Workers' Compensation?

Accepted Answer

Server burned by hot pan — $9K. WC pays.

Question 7

What is a common misconception about Commercial Auto for Catering & Events?

Accepted Answer

Personal auto won't cover business-titled catering vans.

Question 8

What happens if catering & events don't have Commercial Auto?

Accepted Answer

Catering van rear-ends — $90K. Commercial auto pays.

Question 9

What is a common misconception about Food Contamination / Spoilage for Catering & Events?

Accepted Answer

GL covers customers who got sick. Food contamination covers the operational loss (thrown-out inventory, lost income).

Question 10

What happens if catering & events don't have Food Contamination / Spoilage?

Accepted Answer

Salmonella scare forces closure for 5 days, $30K inventory loss. Food spoilage pays.

Question 11

What is a common misconception about Inland Marine (Tools & Equipment) for Catering & Events?

Accepted Answer

Catering equipment at off-site events isn't covered by commercial property.

Question 12

What happens if catering & events don't have Inland Marine (Tools & Equipment)?

Accepted Answer

$8K of equipment damaged in transit accident. Inland marine pays.

Catering & Events Insurance Coverage Guide | RISKX