Protect your business and meet your legal requirements

Whether you're bringing extra elegance to a wedding or serving up the best part of a corporate luncheon, you've worked hard to build your business – and we want to help you protect it. The right insurance can safeguard your company from the high costs of food safety claims, equipment fails and more. Here's a quick guide to the insurance options most caterers choose so you can enjoy what you deserve most of all – the taste of success. This guide breaks down:

Michigan's required coverages
The most recommended protections
Some typical costs of catering company insurance in Michigan
How to save money with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you have a lot going on!)

Catering businesses face unique risks tied to food preparation, transportation and event service.
A Business Owner’s Policy for caterers saves you money by bundling general liability, property insurance and product liability.
General liability insurance covers injuries and damages caused by your business, as well as advertising-related claims.
Property insurance for catering services helps you replace or repair damaged cooking equipment, inventory and supplies.
Workers’ compensation for catering companies is required in Michigan if you have three or more employees.
Commercial auto is required in Michigan and helps you pay for damages or injuries caused by the vehicles your company uses.
Inland marine insurance covers your valuable equipment and inventory when it's at your event – or on the road.
Liquor liability helps you handle the legal and medical costs of intoxicated guests who cause damage after you've served them liquor.
Working with Mylo can help you find the right coverage at the best value.

FIVE BEST INSURANCE COVERAGES FOR MICHIGAN CATERING COMPANIES:

Here are five essential coverages every catering service owner should consider to stay protected and profitable:

1. Business Owner’s Policy for catering services

A Business Owner’s Policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing catering businesses. Your BOP typically includes:

GENERAL LIABILITY FOR CATERERS Covers legal and medical costs if a client or guest is injured – or their property damaged – because of your services. It also protects you from advertising-related claims. Examples:

A server spills hot soup on a guest's lap
You damage a venue’s flooring while setting up equipment
A competitor accuses you of copying their logo or slogan

PROPERTY INSURANCE FOR CATERING BUSINESSES Helps repair or replace your kitchen equipment, inventory and supplies if disaster strikes in your space – like fire, theft, or vandalism. Examples:

A grease fire damages your prep kitchen
A break-in results in stolen cooking gear and ingredients
A storm floods your storage area and ruins perishables

PRODUCT LIABILITY INSURANCE (also called food liability) Covers legal costs if guests claim your food made them sick or caused an allergic reaction.

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

Michigan catering companies typically pay from $21-$50/mo for general liability. You may be able to save more by bundling it in a Business Owner's Policy. Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation for catering businesses (required in Michigan)

Michigan requires you to carry worker's comp if you have three or more employees (or employed one person for 35 hours or more per week for 13 weeks or longer in the past year). This important coverage pays for medical care and lost wages if someone is injured on the job – and protects you from most employee lawsuits. Examples:

A cook burns their hand on a hot pan
A server strains their back lifting heavy trays
A dishwasher slips on a wet floor and fractures their wrist

WORKERS' COMP FOR MICHIGAN CATERING COMPANIES TYPICALLY COSTS AROUND $35/MO. TO FIND OUT HOW MUCH YOU CAN SAVE ON THIS AND OTHER COVERAGES YOU MAY NEED, CLICK HERE.

3. Commercial auto insurance for caterers (required in Michigan)

If you use vans, trucks or cars to transport food, equipment or staff to events, Michigan requires you to carry commercial auto insurance.

Helps pay for damages or injuries your vehicles cause to others or their property on the road
Can also pay for damages to your own vehicles (optional)

4. Inland marine for catering businesses

Covers your equipment, inventory and supplies while they're at your event – or while you're transporting them on the road. Examples:

A guest walks off with expensive speakers you brought to your event
You have a fender bender, and your refrigeration unit tips over and high-end food spoils

5. Liquor liability for catering companies

If you serve liquor at your event, Michigan will hold you liable if an intoxicated guest causes damages or injuries afterwards. Liquor liability insurance helps you handle pricey legal and medical costs.

THE BEST INSURANCE FOR MICHIGAN CATERING BUSINESSES

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected 75,000+ business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Michigan – at no cost to you.

In minutes Mylo will: