Caterer & Personal Chef Insurance
Commercial General Liability built and priced for caterers and personal chefs, in a digital experience you'll love.
Backed by industry leaders
Why do caterers and personal chefs need insurance?
You cook for other people, in other people's kitchens and venues, with hot pans, sharp knives, and guests everywhere. When a guest gets sick or something gets damaged, Commercial General Liability is the policy that answers.
It can cover the claim and the legal defense, which is why almost every venue, event planner, and private client wants your certificate on file before they book you.
What does caterer and personal chef insurance cover?
01 / 04What makes Foxquilt's caterer and personal chef insurance different?
Built for every kind of kitchen
From wedding caterers to in-home chefs and meal prep services, choose the profession that matches your work, and get priced for what you actually do.
Completely digital, start to finish
Quote and buy from your phone, between events, or after the kitchen closes, on your own or with our team.
Instant policy documents
Policy docs and your COI arrive by email the moment you buy. Proof of insurance when the venue asks, no sweat.
Foxquilt's caterer and personal chef insurance is built for…
Don't see your profession? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your venues, planners, and clients ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Policy docs, straight to your inbox.
Your policy documents and Certificate of Insurance are emailed the moment you buy, so the venue has proof of coverage before your first event.
What other coverages do caterers and personal chefs need?
Errors & Omissions
For the advice, coaching, and expertise side of your work: claims of financial loss caused by the guidance or service you provided.
See E&O Coverage →Can cover medical care and lost wages when one of your own employees, like a server or line cook, is hurt on the job. Required in most U.S. states the moment you hire your first employee.
Learn More→Can cover the vans and vehicles you use to haul food and equipment to events. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of your client data, a ransomware lock-out on your booking software, or a deposit wired to a fraudster.
Learn More→Can cover your own gear, like chafing dishes, knives, coolers, and serving equipment. CGL only covers other people's property, so this is the other half of the pair.
Learn More→It depends on the work you do (large events, in-home dinners, or prepared meals), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
It can cover injury claims from food you prepared and served, including claims that come in after the event is over. Our team of experts is happy to review policy terms and exclusions with you before purchasing.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo chef faces the same injury and damage claims a large catering company does. Most venues and clients require it in writing before you begin.
Yes. Pay the annual premium up front, or spread it across monthly installments at checkout. Either way, coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
Figures as of November 2026.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your catering quote in under ten minutes.
Answer a few questions about your catering or chef work and get your certificate straight to your inbox today.