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Zora 07/17/07 |
Ellen, thanks a million for your website--it is a fantastic resource! I've catered a couple of friends' smaller weddings (70 people or so), but am now on board to do a larger event, for about 170. Along with the big scale comes more complications: the contract for the rental space requires that caterers have "a minimum $1,000,000 food & liquor liability insurance." Is this different from the single event insurance? If so, is there any way for an individual like me, who doesn't have any sort of official catering company, to get this insurance? Should I be telling my friends they need to find a "real" caterer? Thanks for your help--I really appreciate it! |
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ellen 07/18/07 |
This is a careful facility, which is not a bad thing. Yes this is different from single event insurance- depending on state law, alcohol liability arises from a guest having an accident under the influence of alcohol (auto or otherwise) and the server being liable. The food- well, food poisoning is the obvious issue- get a party of 170 sick and the medical bills and damages, aiyyaah. The facility wants to be SURE that they are not the deep pocket if something happens. If you are not licensed, you will not be eligible for this insurance. If you have, or the family has, a good insurance agent, they might be able to get the family (not you) single event coverage that the facility would accept (but don't bet on it). The family might want to consider a different facility... |
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Zora 07/18/07 |
Thanks so much--I appreciate the careful answer! |