🥘Food & Hospitality
Public Liability Insurance for Caterers
Caterers work at client venues for weddings, corporate events, and special occasions. Our caterers insurance covers food poisoning, customer injury at events, venue damage, and liability for off-site food service.
✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $800💡 Free Expert Advice✓ No Obligation
✅ What's Covered for Caterers in NZ
Food poisoning compensation
Guest burn injury liability
Venue property damage
Allergic reaction claims
Legal costs for food safety
Equipment damage in client kitchen
Emergency remediation
Typical NZ Premium
$800 – $1,600/year
Cover limits: $1M or $2M
⚠️ Key Risks Facing Caterers in NZ
Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by caterers in New Zealand:
01Food poisoning from catered meals
02Injury to guests from hot food or burns
03Damage to venue during catering setup
04Allergic reaction to meal ingredients
05Choking or food-related injury
06Equipment damage in client kitchen
07Spillage or staining of venue
08Injury from catering equipment
Frequently Asked Questions
What if a guest gets food poisoning from my catering?
You're liable if the illness resulted from poor food handling. Insurance covers the compensation claim. Maintain strict food safety throughout catering.
Am I covered for damage to a client's venue kitchen?
Yes. Accidental damage caused during catering setup and preparation is covered. Use protective coverings to minimize damage risk.
Does the cover include bar catering and alcohol service?
Food catering is standard. Alcohol service may need an endorsement or separate dram shop liability. Disclose if you provide bar service.
What if a guest has an allergic reaction to food I served?
If you failed to disclose ingredients or warn of allergens, you're liable. Always provide ingredient information and maintain allergy records.
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