CHEF INSURANCE

FAQS (FREQUENTLY ASKED QUESTIONS)



general questions


  • Can I serve alcohol for an event or client?
  • Can I prepare food at home and deliver to the client?
  • I have access to a kitchen in a local church.  Can I prepare food there and then transport it to a client's home or an event?
  • I provide recreational cooking classes at various locations.  Does the insurance cover this service?
  • Is it OK for attendees of my cooking classes to take the food home?
  • I provide a meal preparation service where I cook meals from my home (which has been inspected and approved by the appropriate government agencies) and these meals are picked up by my clients on their way home from work.  Does the insurance cover this service?
  • I create custom dessert tables for private events and sell desserts and cookies at local events, farmers markets and for special orders.  Do 
  • What is the difference between health insurance and critical illness insurance?


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membership questions


  • What types of chef business would be covered by the liability insurance that comes with membership in The Chef Alliance?
  • If my needs change or I need to cancel throughout the Term, can I do this?
  • I already have liability insurance.  Can I still join?
  • What is a membership Term?
  • My business partner and I offer different services - a personal chef service and private cooking lessons.  Do we need separate memberships?
  • What is the Premier Package of member benefits?
  • ​I provide a few different services - will they all be covered under one membership or do I need one membership for each?


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LIABILITY INSURANCE questions


  • Why do I need liability insurance?
  • What is a deductible?
  • What types of chef business would be covered by the liability insurance that comes with membership in The Chef Alliance?
  • Will my home insurance cover my home business?
  • I've been hired to cook for a wedding for 150 guests. Can I get extra insurance?
  • Does the insurance cover me working in a restaurant or for a catering company?
  • Is my home business's equipment covered when it's in my car?
  • What if I do not declare a home based business and something happens to my equipment?
  • Can I prepare food at home and deliver to the client?
  • I make jellies/ jams/ baked goods/ vegan and vegetarian meals etc. that I sell at local events, farmers markets and trade shows.  Is this covered?
  • Does the insurance cover me for large events, e.g. trade shows?
  • I have access to a kitchen in a local church.  Can I prepare food there and then transport it to a client's home or an event?
  • I provide recreational cooking classes at various locations.  Does the insurance cover this service?
  • Is it OK for attendees of my cooking classes to take the food home?
  • I provide a meal preparation service where I cook meals from my home (which has been inspected and approved by the appropriate government agencies) and these meals are picked up by my clients on their way home from work.  Does the insurance cover this service?
  • I create custom dessert tables for private events and sell desserts and cookies at local events, farmers markets and for special orders.  Do you provide insurance for this?
  • Can I serve alcohol for an event or client?
  • Can I host a food drive auction event for charity - i.e. auction desserts to the community for pick up from the commercial kitchen location where I make them?
  • Can I deliver meals or other food items that I make in a commercial kitchen?
  • I provide a few different services - will they all be covered under one membership or do I need one membership for each?


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