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When you’re working in a busy kitchen, injuries are inevitable. Add to that the task of serving food and beverages at a busy event, and the risk of injury increases. These injuries can lead to expensive medical bills and time off of work for your employees. The best way to protect your catering business and staff is with professional insurance that helps cover these costs.

That’s where workers’ compensation insurance comes in. Adding workers’ comp insurance to your commercial insurance coverage helps protect your business from the financial losses that often follow work-related injuries.

Workers’ Comp Insurance for Catering Businesses

While catering can be a fun and exciting job for chefs, bakers, servers, bartenders, and other hospitality professionals, it also comes with its own set of risks. And no matter what safety policies you have in place or how careful your employees are, there is always the chance that something unexpected could happen that results in injuries that require medical attention.

While medical costs, legal fees, and lost wages have the potential to be devastating to your company’s finances, workers’ comp insurance adds a layer of protection. This type of commercial insurance protects your catering business from taking a significant financial hit when an employee becomes injured by covering some of the costs associated with these injuries.

Catering Employee Injuries

From cuts and burns to slips and falls, your employees are at risk every time they  work a shift. Workers’ comp insurance can protect your business and make sure that your employees are taken care of in the event of a work-related injury. 

When a catering employee is injured on the job, workers’ comp insurance helps cover the costs of:

  • Ambulance services
  • Emergency room care
  • Ongoing medical care (follow-up visits, medication, physical therapy, etc.)
  • Wages lost during the time the employee is unable to work

No matter how large or small your business is, workers’ compensation insurance plays a vital role in protecting your business from the financial losses that can result from covering an injured employee’s medical expenses and lost wages. Even if you are an independent contractor or a small LLC operated solely by you, you can still benefit from workers’ comp insurance to protect yourself.

Caterer Liabilities

In the event of a work-related injury, your business may be responsible for more than just medical bills and lost wages. Your company may also have to contend with legal fees and other costs associated with employee lawsuits. Workers’ compensation insurance offers liability coverage for these additional costs.

Workers’ comp liability coverage can pay for:

  • Court costs
  • Attorney fees
  • Settlement payments
  • Other related legal fees

Most states will require liability coverage as part of your catering insurance. However, if you are operating in a state that requires you to purchase workers’ comp coverage through a monopolistic state fund (North Dakota, Ohio, Washington, or Wyoming), your insurance may not include liability coverage. If this is the case, you should research your options for securing additional coverage so that your business is protected in the case of an employee lawsuit related to workplace injuries.

Risk Management for Catering Companies

Your catering staff is at risk of injury every time they step into the kitchen. The more injuries your team sustains, the more insurance claims you may have to file. This can significantly increase your workers’ comp insurance premiums. For this reason, it’s important that your company focuses on managing risks and preventing injuries.

There are a few ways that you can improve risk management for your catering company. A good place to start is by instituting mandatory safety training for all catering employees. This training should address the most common risks that your staff will face on the job, including how to work safely and avoid injury. Developing a safe work environment and requiring employees to wear safety gear such as non-slip shoes can help lower your risk as well, and thus your insurance premiums. 

Cost of Workers’ Compensation Insurance 

The cost of workers’ compensation insurance for catering companies will vary depending on a number of factors. Premiums are determined based on:

  • The type of work your business does
  • Your company’s claims rate
  • Your business’s jurisdiction
  • Your company’s payroll records (per every $100)

While costs for workers’ comp insurance will vary based on the unique aspects of your business, one thing remains the same — the importance of having this type of coverage as part of your small food business insurance. Workers’ compensation coverage is a vital part of protecting both your business and employees.

At Cerity, we know how overwhelming shopping for commercial insurance coverage can be. That’s why we’ve designed an easy-to-use tool that lets you get a quick and fair quote for workers’ comp insurance without paperwork or phone calls. Get a free quote for workers’ comp insurance with our free online quote tool.

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