FAQ_category: (HIDDEN) Industry FAQs

A robust insurance setup for caterers should include: 

• General Liability Insurance – protects against claims of bodily injury (e.g. slips or burns) or property damage during events. 

• Product Liability Insurance  – covers claims due to foodborne illnesses or allergic reactions. 

• Commercial Property or Business Owners Policy (BOP) – protects kitchen, equipment, and event supplies; BOP often includes business interruption. 

• Commercial Auto Insurance – required if using vehicles to deliver food and equipment to events. 

• Workers’ Compensation Insurance – mandated in most states for any employees to cover injuries during food prep or setup. 

• Liquor Liability Insurance – essential if you serve alcohol at events, covering damages or injuries tied to intoxicated guests. 

These coverages protect caterers from food‑related claims, physical accidents, and equipment loss on and off‑site. 

With a tailored insurance package, your coverage typically includes: 

• Injury claims if workers or visitors are hurt on the job site.  

• Vehicle accidents, whether transporting materials, tools, or staff. 

• Claims of defective work or missed deadlines, falling back to contract obligations. 

• Property losses, including theft or damage to equipment, supplies, or ongoing construction. 

• Major liability cases that threaten to exceed policy limits. 

• Subcontractor compliance, ensuring all hired teams have acceptable coverage—limiting liability exposure. 

These coverages are designed to keep your business moving forward—even when unexpected events arise. 

Yes! Workers’ compensation is legally required in nearly all states when you have employees: 

• Covers medical treatment, wage replacement, and disability benefits if a worker is injured on the job. 

• Backed by OSHA and federal standards, general contractors must ensure subcontractors also comply and coordinate safety protocols. 

• Contractors often face fines or work stoppages if proof of coverage is not maintained. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

A well-protected general contractor typically requires the following insurance types: 

• General Liability Insurance – covers third-party bodily injury, property damage, and legal defense costs if accidents occur onsite. 

• Workers’ Compensation Insurance – required in most states when you have employees; covers medical expenses and wage loss if workers are injured on the job. 

• Commercial Auto Insurance – mandatory if you operate vehicles for business use, protecting against accidents and cargo damage. 

• Professional Liability (E & O) – protects against claims of negligence, faulty workmanship, or unmet contractual obligations.