Caterer and Personal Chef Insurance

What Caterers and Personal Chefs Insurance covers

• Property - Cover your buildings, improvements, contents, equipment, and inventory from a covered accidental direct physical loss.
• Liability - Protection against costly claims and lawsuits covered under the policy arising from property damage, bodily injury, or personal and advertising injury.
• Food Contamination – Provides coverage for business income, direct damages, and additional advertising expenses if your business is ordered closed by the Board of Health or any other governmental authority as a result of food contamination.
• Loss of Income – Protection in case your operations are suspended due to a covered loss.
• Spoilage – Coverage for accidental direct physical loss to perishable goods caused by mechanical breakdown, power outage, or refrigerant contamination.
• Equipment Breakdown – Coverage for damage to covered property caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers.
• Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees.
• Backup of Sewer or Drain – Coverage for losses to property at the premises caused by water that backs up from a sewer or drain located in the interior of the structure.