Personal Chef Insurance

Personal or private chef insurance provides a diverse package of coverages to protect your business from unforeseen risks. A comprehensive personal chef insurance package typically includes the following:

• Commercial General Liability (CGL) Insurance: CGL is essential to protect your business from everyday mishaps. For instance, CGL protects against third-party bodily injury and property damage claims. Commonly called “slip-and-fall” insurance, it provides you with financial support for claims or lawsuits because of accidents or negligence.

• Commercial Property Insurance: Commercial property insurance covers you and your business, whether you rent or own the property where you prepare your meals. An insured peril, or an accident covered by your insurance policy, includes theft, fire, flood, vandalism, and damage or loss from extreme weather.

• Professional Liability Insurance: Professional liability insurance, also referred to as errors and omissions (E&O) insurance, will protect you against claims that you failed to deliver a service, including allegations of misconduct or negligence. For instance, a client is following a food plan a nutritionist has recommended. As their personal chef, you prepare meals that follow this plan but one food item causes your client to have a bad reaction so they decide to sue you for negligence. Professional liability insurance may cover your legal fees and their medical expenses
  • If you are serving alcohol alongside with your prepared meals,  you will need to have liquor liability coverage as well.

• Product Liability Insurance: Product liability insurance is necessary if you sell any products, food supplies, or beverages to your client. Sometimes, this coverage is included in a CGL policy. If it isn’t, you can add it to your policy. It protects against third-party claims of personal injury or property damage for any product you manufacture, distribute, or sell, including food.