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Catering Insurance

The catering business can involve a lot of risk. Caterers work on other businesses’ property and perhaps even in their kitchens, and rely on suppliers and other vendors to furnish the necessary items to provide food. With so much happening—between supplying food, preparing it, transporting it, and serving it to customers—much can unexpectedly go wrong. All of these variables put you at risk, so it is a good idea to make sure you are covered against possible problems with catering insurance.

Catering Insurance Policy Features

If you have employees, you need workers compensation coverage, and of course your own equipment should be covered. General liability coverage exists as well, to cover any damages you might cause (such as your heating units catching the building on fire).

If you serve alcoholic beverages you will need coverage for that as well, as there are more risks and exposure when alcoholic beverages are involved in to a business.

As a business owner, you will need coverage for yourself to take care of loses you might incur due to lost income. Mechanical breakdown, storms, and vehicle trouble are just a few things that could negatively affect your ability to render your catering services.

For a food services industry, liability is always a concern. Lawsuits arising from food poisoning (due to negligence or from mistakenly serving contaminated food) can cause a modest business with irreparable harm. A general small business liability policy will cover the basics, but there are other liabilities such as using a vehicle you don't own, having employees use those vehicles, and accidently damaging property when providing your services.

Call Heritage Insurance Agency today to find out what the best catering insurance policies are available for your situation. Our professional staff will guide you through the process of making sure you are covered for anything that might arise in your catering business. Existing customers can call our office for an update, and new customers can call to find out what we have available to fit your catering insurance needs.

Our Location

Chico

290 Airpark Boulevard
Chico, CA 95973
Main office: 530-894-3276

Our Providers

"We do business with Heritage Insurance Agency for the excellent, personal customer service we receive. They are there when we need them." Debbie Hobbs-Floors By Ray
Debbie Hobbs-Floors By Ray
"My experience with Heritage, formerly Wagner Insurance Agency has exceeded my very high expectations. They are courteous, knowledgeable, responsive, and genuinely interested in matching their clients with the right coverage at a very competitive price. I was attracted by their ability to meet all insurance needs under “one roof.” But when I found out they could do so while upgrading my coverage and STILL save me money, I knew I had found a special place. Kudos to Steve, Dana, and the rest of the team at Heritage for putting the customer first!" -Lawrence Fowler
Lawrence Fowler
"It isn't what we say about ourselves that matters, it's what others say about us that matters most." -Agency Principal, Steve Mora
Agency Principal - Steve Mora
"Our family farm selected Steve and his team at Heritage Insurance because of their commitment to each client. Valuing the person not the policy, Heritage Insurance works with you individually to obtain the best policy that fits your needs. They are quick to obtain the needs of each client and work diligently in doing so. Steve and Kelly are actively involved in many events directly connecting them to the community." -Theresa Schneider, A&J Family Farms, Inc.
Theresa Schneider - A&J Family Farms, Inc. Chico, CA
"Heritage Insurance Agency has not only provided our families with dependable insurance coverage but most importantly provided us with peace of mind with their knowledge and great service. Steve and his staff are attentive to all our needs for our auto, farm business, worker's comp, crop and even health insurance...they got us covered! I appreciate knowing they are always looking out for us-just like family." -Carolina Burreson, Burreson Farms
Carolina Burreson, Burreson Farms, Orland, CA
"We have been associated with Steve Mora and his family for over 30 years. Because of that personal relationship we were very comfortable in assigning to him all our insurance needs, even though separated by considerable distance. Our coverage includes auto, health, residence and several ranch properties plus an umbrella policy. In this modern age of technology our need for security and the peace of mind that goes with it has been well served by Heritage Insurance Agency." -Eve and Glenn Cherry
Eve and Glenn Cherry, Templeton, CA
Whenever you have a problem or a claim, Steve and Kelly act quickly and you will have an answer immediately. In all the years I have been with Heritage, formerly Wagner Insurance, they have been there to ensure wonderful service and that my claims are handled promptly. They always put the costumer first. I like working with Heritage Insurance because they are a versatile agency that handles all types of insurance needs from Farm, auto, commercial to health and life. - Michael Pearson P & S Farms
Michael Pearson P & S Farms
"Steve always takes the time to educate me and explain my options in a way that makes me confident that he has my best interests at heart. The personalized service you receive on the phone, or the warm welcome you experience when you walk into the office, leaves you feeling as if you are part of the family, instead of a name on a file." -Lisa Mehoff
Lisa Mehoff