As you search for the best catering insurance coverage for your business, you will probably spend a good portion of your time getting quotes from different companies. A very smart move for the savvy business owner. The mistake that these business owners make is not taking into consideration the actual catering insurance cost compared to the quotes they are getting. What do I mean by that? Let me explain.
Suppose you own your own catering business and you provide services for an event. Now lets assume the party got a little rowdy. A little too rowdy. Some of the drunkards actually fall onto one of your buffet tables and knock it over. In the process, they spill your steno burners onto the carpet and start a nice little fire. Along the way, they end up picking up the lit stenos and decide to have a fire fight with them! Now you have a burnt up location, a few patrons with minor burns, and a huge mess. This is the exact situation where you would need your catering insurance to kick in.
Getting Catering Insurance Quotes
After calling all the companies for your catering insurance quotes, you settle on the lowest priced option. In this day and age, I don't blame you. The issue you're going to have is they are cheap because they put some clauses in their contract with you that states they cover everything except steno damage or physical harm caused by steno burners. Now you are going to have to come out of pocket to cover the cost of all the physical damage to the location along with covering medical costs for those guests who got burned.
Catering Insurance Cost, The Reality
The bottom line is, cheap catering insurance could cost you a lot more in the long run. It is crucial you thoroughly look at the contract and make sure you are completely covered. Otherwise, not only will the carpet and a few clients end up getting burned, so will you and your catering company.
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