NeedBizInsurance
Coverage by Profession · United States · 2026

General Liability for caterers

General Liability is typically required for caterers. Required by nearly every venue before a caterer can operate on site.

Requirement
Required
Average cost
$500.00–$1500.00/yr
Business risk
high
01

How general liability applies

Required by nearly every venue before a caterer can operate on site.

02

What affects the price

Events served
Revenue
Alcohol service
03

Best carriers for general liability for caterers

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
Hiscox
AM Best: A
direct
professional-liabilitygeneral-liabilitycyber-liabilitybusiness-owners-policy
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

General Liability for Caterers — FAQ

Do caterers need general liability?+

Yes. General Liability is typically required for caterers by law, license, contract, or client requirement.

What does general liability cover for caterers?+

General Liability helps protect a caterer business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can caterers buy general liability online?+

Yes. Many carriers quote general liability online for caterers, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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