Owning a catering business is about more than preparing delicious food — it’s about delivering seamless service for events, meetings, weddings, and celebrations where every detail matters. But behind every plated dish and successful event is a business with many moving parts. From transporting food and setting up equipment to staffing, contracts, and client expectations, one unexpected accident, fire, or liability claim could jeopardize everything you’ve built. That’s why the right insurance protection isn’t just important — it’s essential.
At Sharp Insurance & Financial Services, we specialize in helping catering companies across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — protect their businesses with tailored, affordable coverage. Whether you operate a small local catering company, manage large-scale corporate events, or specialize in weddings and private parties, we’ll help you safeguard your property, your team, and your bottom line.
This coverage is designed specifically for:
Catering business insurance goes beyond standard business policies. It’s designed to protect you from the unique risks you face every day — from foodborne illness and property damage to vehicle accidents, equipment breakdowns, and client injury claims. With the right policy in place, you can focus on creating memorable events while we focus on keeping your business protected.
Running a catering business means managing complex logistics, food preparation, transportation, and on-site service — all while ensuring every event goes off without a hitch. With so many moving parts, having the right business insurance is essential. Our tailored coverage options are designed to protect catering companies across Kentucky, Ohio, and West Virginia, so you can focus on creating unforgettable events while we protect what matters most.
Protects your catering company if a guest is injured at an event you’re serving (e.g., trips over your setup) or if you accidentally damage a venue’s property during setup or teardown.
Covers commercial kitchens, prep spaces, ovens, appliances, and stored ingredients against fire, theft, or other covered losses. It can also help replace income if damage forces you to halt operations.
Covers medical bills and lost wages if a staff member is injured lifting equipment, carrying trays, or preparing food in the kitchen.
Covers vehicles used to deliver prepared food, transport serving equipment, or travel to event locations in case of accidents, injuries, or property damage.
Reimburses you for spoiled food caused by power outages, refrigeration failure, or equipment breakdown, helping avoid major financial loss before or during an event.
Covers costly repairs or replacement of essential catering equipment such as ovens, warming boxes, refrigeration units, or portable burners if they fail unexpectedly.
Helps replace lost income and pay ongoing expenses if a fire, equipment failure, or other covered incident halts your operations.
Essential if your catering service provides or serves alcohol at events, protecting against claims related to intoxication incidents.
Extends your liability coverage beyond standard policy limits, providing extra protection in the event of a severe accident or lawsuit.
At Sharp Insurance & Financial Services, we’re here to help you find the right catering insurance for your business. We proudly serve companies across Kentucky, Ohio, and West Virginia, offering expert guidance and local support you can trust. Whether you manage a small service, a corporate event team, or a wedding catering company, our team will help protect what matters most. Contact us today to discuss coverage options.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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