Professional insurance for caterers

 Professional insurance for caterers




The risks associated with the catering trade, such as those linked to delicate and perishable goods, must be taken into account.

The catering profession is not regulated and can therefore be exercised without specific authorization. Please note that some craftsmen who are involved in catering are at the same time exercising a regulated activity, for example the delicatessen-caterer. Here, it is the butcher's business that is regulated and therefore subject to conditions.

However, the catering profession requires compliance with the health regulations in force concerning foodstuffs.

    You are responsible for the products you deliver. If your merchandise caused damage to a customer or a third party, only professional civil liability could cover you. An allergy related to an ingredient in a dish, an injury caused by a broken glass ... although beyond your control, these situations can occur.
    If you practice your profession in reception areas, your professional vehicle is your most precious work tool. Without it, you couldn't work. To cover you in the event of a breakdown or accident, it is a good idea to take out a company vehicle insurance contract. It will allow you to be quickly compensated to replace your vehicle or to obtain a replacement vehicle during repairs.
    The value of your business lies in the goods you transport. It is therefore important that it be insured in the event of an unforeseen event that could affect its quality or consumption.
    A customer who let you down a few days before the reception? Or who refuses to pay you? Legal assistance can help you resolve such contingencies amicably, without going through a trial, which is often long and expensive.
    Finally, as a self-employed worker, protect yourself first and foremost with Madelin health and retirement plans tailored to your needs and those of your family.

Catering, meal preparation: what you need to know before insuring your activity

Experience, diploma and / or qualification required: no particular diploma is required to become a caterer, but this profession requires knowledge in the food and service professions, as well as management skills to run a business. The possible studies are the CAP of butcher-caterer, or studies in the hotel and restaurant industry.

Compulsory insurance: professional liability insurance

Other insurance: professional vehicle insurance, transported goods insurance, legal assistance, complementary health insurance, retirement provision, etc.

Other related professions: butcher-caterer, caterer-event organizer, banquet organizers, etc.
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