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For people who love cooking for others, getting paid to do it in their own business is a dream come true, though not without its risks. Whether you are an independent chef or an organization, personal chef insurance will protect you from liabilities. We’ve evaluated the best personal chef insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Simply Business provides insurance policies for a range of professions and small businesses.
For more than 200 years, the Hartford Insurance helped over 1 million businesses just like yours.
Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
Personal chef insurance is a comprehensive way to make sure that a lawsuit or claim against the business will not force you to close your doors. A good personal chef insurance policy can cover the risky areas in your business and keep your money in your wallet if something bad does happen.
Anyone who cooks for someone else or a group of individual clients outside of a restaurant or full-service catering company should look into personal chef insurance. Due to the risk of cooking in a clients’ home which could cause potential damages and injury, it is important to make sure you have a policy with coverages that meet your needs.
Typical insurance for a personal chef can include general liability insurance, workers’ compensation insurance, commercial auto insurance, and more. It is important to look at your business model and see how it could potentially be exposed to risks.
Common types of personal chef insurance
This type of insurance covers a wide variety of claims that could be made against your business due to accidents and other common risks. It will offer financial protection if someone other than you or your employee(s) is injured, or non-company property is damaged and you are held responsible.
Generally, a good policy to have (and in some cases a legal requirement) if you are using a vehicle or trailer to transport materials and tools to project sites or to carry out necessary actions for the job. This type of policy will cover any bodily injury and property damage claims that arise from an accident involving your work vehicle.
Workers’ compensation insurance will ensure that an employee that gets injured on the job will have medical bills and rehabilitation paid for, as well as any lost wages. Employer’s liability insurance is also usually included in workers’ compensation insurance. It covers events such as if an employee files a lawsuit blaming your business for negligence that led to an accident. Employers’ liability insurance will protect your business from costs like settlements, court fees, and attorney fees.
If you rent or own a property to conduct business, commercial property insurance covers any damage to the building, as well as any equipment and inventory that may be in it.
To save some money on the premium, a business owner’s policy combines both general liability and commercial property insurance into one plan. It is a cost-effective way to get coverage if you cook out of a commercial kitchen.
The limits you choose for your business should reflect on the size of your store, the inventory you carry or expect to carry, and where your business is located, among other factors. Below are the median limits that personal chefs choose, but your business may require different limits.
| General liability insurance | $1,000,000 per occurrence |
| Commercial auto insurance | $100,000 aggregate |
| Workers’ compensation insurance | $500,000 bodily injury per accident |
| Commercial property insurance | $25,000 per occurrence |
| Business owner’s policy | $1,000,000 per occurrence $2,000,000 aggregate |
There are different factors that can affect how much personal chef insurance costs. These factors can include (but are not limited):
Grouping policies together with the same insurance provider can help save money through discounts. Below you can find the median costs for each type of policy mentioned. Your actual premium may vary.
| General liability insurance | $912 annually |
| Commercial auto insurance | $950 annually |
| Workers’ compensation insurance | $1,610 annually |
| Commercial property insurance | $755 annually |
| Business owner’s policy | $1,610 annually |
There are tons of providers, but only a few will have the products you need at the price you want with the service you expect. Here are a few useful tips that can help choose the best provider for you:
