Caterer and Personal Chef Insurance

While you whip up gourmet creations, let us serve up the insurance needed to protect your business.

Why you need Caterers and Personal Chefs Insurance

Your dream was feed people and run your own business. Now that you’ve realized your dream, we want to support and protect it. Let us insure your catering and personal chef business with a customized insurance policy that fits your unique needs.

Caterers and Personal Chefs Insurance from State Farm® can cover you in case of:
  • Food poisoning – Food poisoning is the worst, but it happens. Should your food make someone sick and it result in a lawsuit, we can cover you.
  • Theft from your vehicle - Your equipment is not cheap. Should someone break into your vehicle while you are working, this policy protects loss of your business-related things.
  • Loss of income or business interruption – A covered loss could affect your ability to work and earn an income. In the event of a covered loss, we can help you recover lost income or profits.
  • Fire - A dish rag left too close to the fryer; a pan that got too hot and caught flame. Heat is a necessary but dangerous element of your business. This policy extinguishes related risks.

What Caterers and Personal Chefs Insurance covers

We’ll start with a package of coverages most caterers and personal chefs need. Then we’ll help you customize them to fit your unique business. The result? A Caterers and Personal Chefs Insurance policy that keeps your business properly covered at a surprisingly great rate.
  • 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.

Consider adding additional coverages

Depending on the type of catering or personal chef business you own, the number of employees you have, and other factors, what’s covered in your Caterers and Personal Chefs Insurance policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto with Employer Non-owned Liability

Commercial auto with Employer Non-owned Liability (ENOL) covers the cars, trucks, vans, and other vehicles you or your employees use on or traveling between jobsites, including vehicles that you do not own.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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