Personal Chef Insurance

As a personal chef, your reputation depends on skill, timing, and professionalism—especially when working in a client’s home. But even with experience, accidents can happen, from equipment issues to allergic reactions or property damage. Personal chef insurance is designed to protect you from these risks. It helps safeguard your business so you can focus on creating exceptional meals without the stress of potential liability.

General Liability Insurance

General liability coverage protects you from common risks like injuries or property damage during service. It’s often required by clients and shows you take your business—and their safety—seriously.

It can help if:

A client slips on spilled sauce and gets hurt.
You accidentally scorch their marble countertop.
A guest claims food poisoning after a meal.

This policy can cover legal costs, medical bills, and repair expenses—so one incident doesn’t derail your reputation or income.

Business Owner’s Policy (BOP)

A Business Owner’s Policy bundles general liability and property coverage into one package—ideal for personal chefs who own valuable gear or store high-end ingredients.

It helps when:

A fire damages your knives, tools, or equipment.
Your premium ingredients are stolen from your vehicle.
A water leak ruins your stored supplies the night before a big event.

Your BOP can also cover lost income during downtime, helping you bounce back faster.

Workers’ Compensation

If you have employees or assistants, workers’ comp is often legally required. Even if you work solo, some states mandate coverage for owner-operators.

You’ll want this if:

You burn yourself while plating.
An assistant needs stitches from a knife injury.
Chronic back pain develops from long days on your feet.

It covers medical bills, lost wages, rehab, and even retraining if someone can’t return to the kitchen right away.

Additional Coverages for Personal Chefs

To build a complete safety net, consider adding:

Commercial Auto Insurance – Protects your vehicle if you use it for shopping, events, or deliveries.
Professional Liability (E&O) – Covers you if a client claims you missed a dietary restriction or served food that caused harm.
Cyber Liability – Essential if you accept online bookings or store client data—this protects against digital theft and data breaches.
Excess Liability Insurance – Adds extra coverage beyond your policy limits for major claims.
Food Spoilage Insurance – Reimburses you for ingredients lost to power outages or equipment failure.
Employment Practices Liability (EPLI) – Protects against employee complaints including wrongful termination or discrimination.

FAQs for Personal Chef Insurance

How much does personal chef insurance cost?

Plans typically start around $25/month, and increase from there based on specific details about your business.

How do I get coverage?

You can apply online or through a licensed agent who specializes in culinary or small business insurance.

What’s an additional insured endorsement?

It extends your policy to protect another party—like a client or venue—under your coverage during a job or event.

What’s a certificate of insurance (COI)?

It’s proof of your coverage. Many clients or venues will ask to see it before you begin work.

How can I save on insurance?

Bundling policies, keeping a clean claims record, raising your deductible, and comparing quotes can all help lower your premium.

Why Choose USA Insurance

With USA Insurance, you’re getting more than a policy—you’re getting a partner who understands your business.

99% Client Satisfaction – Trusted by professionals across industries.
Specialized Coverage – We insure personal chefs, artisan businesses, retailers, and service pros across the country.
Licensed in All 50 States – We offer national reach with local care.
Flexible, Fast, Reliable – From tailored coverage and competitive rates to quick claims and renewal reminders—we’ve got your back.

Let us help protect what you’ve built. Your business deserves nothing less.