Personal Chef
Insurance

Save up to 30% on your business insurance

Spice up your security with Personal Chef Insurance!

Whether you’re a personal chef, catering business, or restaurant, Coverage Cowboy’s personalized business insurance plans can help protect your business.
From kitchen fires to food spoilage, Coverage Cowboy will help you get the coverage you need to keep your business safe. Plus, with our personalized plans, you can make sure you’re covered for all the unique services you offer.
  • General Liability
  • Workers' Compensation
  • Commercial Property
  • Commercial Auto

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Personal Chef businesses and save up to 10% when you bundle!

general-liability

General Liability

Bought by 95% of business owners like you

General liability insurance is essential for personal chefs to protect against potential legal claims. It covers bodily injury and property damage caused by you or your employees, as well as advertising injury like copyright infringement claims. With this type of insurance, you can have peace of mind knowing you have financial protection in case of an accident.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is necessary for personal chefs to protect their vehicle, as well as their passengers, from accidents and other incidents. It covers property damage and liability, as well as medical bills, and can help cover the cost of repairs in the event of an accident. It is especially important for personal chefs who deliver their food to their clients, as it can help ensure they can still make a living in the case of an unexpected accident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance provides financial protection for personal chefs if they are injured on the job. It covers medical bills, lost wages, and legal expenses if the chef is sued for negligence. It also provides death benefits if the chef dies due to a work-related incident.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance for personal chefs can protect their equipment, furniture, and inventory against damage due to fire, theft, or vandalism. It can also provide financial coverage if the chef needs to replace or repair products due to a covered event. This type of insurance can help personal chefs recover lost income if they are unable to provide services due to a covered event.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Personal Chef business insurance

How does business insurance protect me?
Business insurance can protect personal chefs from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a personal chef:
Liability insurance: This type of insurance can protect a personal chef from lawsuits stemming from injuries or accidents that occur on the job. For example, if a client slips and falls on a wet floor and sustains injuries, the personal chef could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a personal chef from damage to their equipment and inventory. For example, if a kitchen fire damages the equipment, property insurance can help cover the cost of repairs or replacement. Similarly, if the personal chef’s inventory of food is spoiled due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the personal chef is forced to close temporarily due to a covered loss. For example, if a kitchen fire damages the equipment and the personal chef is unable to work, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Professional Liability Insurance: This type of insurance can provide protection for a personal chef from claims of negligence or errors in their work. For example, if a client claims that the food prepared by the personal chef caused them to become ill, professional liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the client.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.