Food Service Business Insurance — Coverage, Cost & Requirements

Food service businesses span a wide range — from commissary kitchens and catering operations to ghost kitchens, meal prep services, and food distributors. What they share is liability for the food they produce or handle. A foodborne illness outbreak can trigger claims from dozens of customers simultaneously, and commercial property losses from equipment failure or kitchen fires can shut an operation down for weeks. Food service business insurance addresses product liability for contamination and illness claims, commercial property for kitchen equipment and perishable inventory, general liability for delivery and catering exposures, and workers' comp for food handlers, drivers, and prep staff.