What is Caterer's Liability?
- Are you a Food vendor selling your food and beverages at an event such as Trade Show, fairs, festivals etc? If so, please see our Exhibitor program
- If you are operating a Concession Stand please also see our Exhibitor program
- Our Caterer program is designed for Caterers who have been hired by an event host to serve food and or drinks at their social event.
- Available for Single Events or Annual Terms.
- Provides coverage in the event that someone gets sick while eating your food, injures themselves if they trip over a piece of your equipment, or gets scalded by a hot dish that you prepared.
- Our policy will respond to defend you in a court of law if someone brings a suit against you for these types of injuries.
- Caterers must hold a valid Food Handler Certificate.
- If alcohol is included, a valid liquor permit or license must be in place for service of alcohol; as well, Servers must hold a valid Smart Serve, Serve It Right or equivalent Provincial Certificate.
- Limits of Liability from $2,000,000 to $5,000,000 with a $1,000 Deductible (some exceptions may apply).
- Coverage included: Commercial General Liability including Third Party Property Damage/Bodily Injury; Medical Payment ($2,500pp/$25,000.00 max); Non-Owned Auto; Food and Beverage Product Coverage; Cross Liability; Employees/Volunteers as Additional Insured; and Tenant’s Legal Liability ($500,000.00+).
- Coverage offered is for the Caterer only. Policy does not extend to the event host; therefore, Insured should advise the event host to obtain their own Special Event Liability insurance. Event Hosts can apply for PAL's Special Event Program HERE.
