|By Chefpauls (Chefpauls) on Thursday, August 05, 2004 - 02:36 pm: Edit|
I'm having trouble finding an insurance company for both personal chef & off-premise caterer liability insurance. I'm in NJ. Any suggestions?
|By Claridyd (Claridyd) on Thursday, August 05, 2004 - 05:41 pm: Edit|
Try the Hartford or Nationwide. We have had insurance Hartford but we are now with Nationwide.
|By Chefmanny (Chefmanny) on Friday, August 06, 2004 - 08:45 am: Edit|
Try the personal chef's asociation, they are very helpful. I forget the ladie's name...Candy something, very nice lady...Candy Wallace!!!!!
|By Thecateringguy (Thecateringguy) on Sunday, August 29, 2004 - 03:58 am: Edit|
Find out who does the Insurance for a resturante that you like to go to and then ask them for a Quote thats what I did, I work for a McDonald's O/O and talked w/our Insurance Broker they told me this week for a Small business such as mine and if I didn't serve any booze I could get Insurance for $500 a year.....
|By Jonesg (Jonesg) on Thursday, September 16, 2004 - 10:15 pm: Edit|
The yellow pages are full of Ins agents, we called one 3 months ago, the guy was here in 30 minutes, came back with a quote $1300 in 1 hr and picked up the check, we had our first event the next day but we were covered as soon as he accepted the check.
Its just that simple.
|By Chefmanny (Chefmanny) on Thursday, September 16, 2004 - 10:19 pm: Edit|
$1300.00 for what product exactly????????????????
|By Jonesg (Jonesg) on Thursday, September 16, 2004 - 10:22 pm: Edit|
For a retail cafe and offsite catering operation.
Product type doesn't matter, as long as theres no fryolators involved, thats a normal rate here in Boston.
|By Chefmanny (Chefmanny) on Friday, September 17, 2004 - 07:21 am: Edit|
By product I mean the insurance, liability, how much coverage???...for what????
Fire???...water damage??,wind damage,workman's comp???...for how many employees????
You have to ask because if you under insure and you have an accident; will you be covered????
Off premise catering is a different ballgame then a store; what if you burn somebody's house???...God forbid!..but are you sufficiently covered????...or ruin their priceless antique table witht the sterno??
|By Jonesg (Jonesg) on Friday, September 17, 2004 - 12:55 pm: Edit|
" I mean how much coverage???..."
Relax, God's in charge, we have plenty of Ins.
The previous 18 yrs I had a pastry shop and restaurant, my landlord was my insurance agent , so he made sure I was well insured, my rates have increased since we are doing offsite but thats to be expected.
We have 5 mil liability umbrella policy, this sort of Ins is vastly cheaper than the Workmans Compensation ins, thats another ballgame and can easily go $10K and more.
There are ways around that, anyone getting into the game ought to know or they probably won't last too long.