What we offer
We specialize in providing comprehensive insurance solutions tailored specifically for catering companies serving alcohol. Whether you're hosting weddings, corporate events, private parties, or large-scale celebrations, your catering business faces unique risks—especially when alcohol is involved. We understand the challenges you encounter, and we’re here to help protect your operations, staff, and reputation with customized coverage.
Serving alcohol at events introduces an entirely new layer of liability. From guest safety to compliance with local and state liquor laws, your catering company needs to be prepared for the unexpected. Accidents, overconsumption, and alcohol-related incidents can all lead to lawsuits or property damage.
Even if your team practices responsible service and adheres to all legal requirements, liability can still fall on your business. That’s why it’s critical for catering companies that serve alcohol to have the right coverage in place.
Catering companies have specific insurance needs that differ from restaurants or event planners. When alcohol is served, additional protection is required. Our team works closely with you to assess your risks and build an insurance policy that fits the nature of your services.
We offer policies that include:
Liquor Liability Insurance
This coverage protects your catering business from claims related to alcohol-induced accidents, injuries, or property damage. It is especially important if your business is serving or distributing alcohol at events.
General Liability Insurance
Covers injuries or damages that occur on-site or during an event due to your catering services, including slips, falls, or food-related illnesses.
Commercial Auto Insurance
If your team uses vehicles for transporting food, alcohol, or equipment, commercial auto insurance is necessary to protect against accidents or theft.
Workers’ Compensation
Safeguard your employees in case of injury or illness that occurs while working an event. This coverage ensures medical costs and lost wages are covered.
Event Cancellation Insurance
A useful option when serving high-end or large-scale events. If your catering service is disrupted due to weather or other emergencies, this coverage can help recover lost revenue.
Our services are ideal for:
Full-service catering companies
Mobile bartending businesses
Event caterers handling private functions
Wedding and corporate event caterers
Temporary alcohol servers for hire
Pop-up dining experiences with beverage service
If your business is involved in preparing, serving, or distributing alcoholic beverages in any capacity—whether you hold the liquor license or your client does—you’re potentially at risk and should consider specialized coverage.
One of the most complex aspects of serving alcohol at catered events is navigating state-specific liquor laws and regulations. Some states require the catering company to have a liquor license; others place the responsibility on the venue or the client.
Regardless of who holds the license, your business can still be named in a lawsuit if alcohol-related harm occurs. We help catering companies understand these laws and maintain compliance while ensuring they’re covered from a legal and financial standpoint.
Insurance is only one part of the equation. Our team also provides guidance on minimizing risk before, during, and after events. A few best practices include:
Training staff in responsible beverage service
Programs like TIPS or ServSafe Alcohol can reduce liability and promote safer service.
Monitoring guest consumption
Encourage your team to observe guest behavior and identify signs of overconsumption.
Clearly stating policies in your service agreements
Outlining alcohol limits, end times, and responsible consumption expectations can help protect your business.
Hiring licensed bartenders
Whether in-house or contracted, make sure all bartenders have the proper certifications and licenses.
We’re not just insurance agents—we’re specialists who understand the risks and operational demands of catering companies serving alcohol. When you partner with us, you gain access to:
Expert support in tailoring your policy
Competitive premiums for bundled coverage
Fast claims processing and 24/7 support
Advice on local licensing and legal requirements
Risk assessments and loss prevention tips
Our mission is to keep your business protected so you can focus on delivering outstanding service to your clients.
Imagine catering a wedding where a guest becomes intoxicated and drives home, causing an accident. Even if your team didn’t over-serve them, your business could still face a costly lawsuit.
Or consider a corporate event where a guest slips on spilled wine and breaks a bone. Without adequate general and liquor liability coverage, you may be held liable for medical expenses, legal fees, and damages.
These situations happen more often than you might think. The right insurance coverage ensures you’re financially protected, no matter what unfolds.
Don’t leave your business vulnerable. If you’re part of the growing number of catering companies serving alcohol, now is the time to secure coverage that protects your future.
Contact us today for a free consultation and customized quote. Let us help you find the perfect plan for your catering operation—whether you’re a boutique service or a large-scale provider.
