Food & Hospitality

Catering Insurance in Ontario

Every venue is your kitchen. Coverage travels with you.

Catering moves food service into other people's venues — off-premises liability, transported food safety, borrowed kitchens, and event hosts demanding certificates before you plate a single canapé.

We cover caterers with off-premises wording as the default, plus liquor liability where you serve.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Off-premises operations coverage at client venues
Product liability for goods you make, sell, or distribute
Liquor liability for serving or selling alcohol
Commercial auto for business vehicles
Spoilage coverage for refrigerated stock

Good to know

Frequently asked questions

Venues keep asking to be 'additional insured' — what does that mean?: They want your policy to also protect them for claims arising from your catering at their site. It's standard; we issue certificates naming venues per event, usually same-day.
How much does catering insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get catering insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Off-premises operations coverage at client venues

Product liability for goods you make, sell, or distribute

Liquor liability for serving or selling alcohol

Commercial auto for business vehicles

Spoilage coverage for refrigerated stock

Frequently asked questions

Venues keep asking to be 'additional insured' — what does that mean?

They want your policy to also protect them for claims arising from your catering at their site. It's standard; we issue certificates naming venues per event, usually same-day.

How much does catering insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get catering insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.