protecting you


 protecting your business 

insurance for mise en place and meal prep services  

Mise En Place or Meal-Prep Services prepare and portion produce, meats, seafood and grains, ready to be incorporated into recipes.  This may include dicing onions, making broths, cleaning and portioning fish, measuring spices and so on.  There is a growing trend to prep ingredients and package them together along with a recipe; clients then cook the perfectly-portioned ingredients to create a dish according to the recipe.

risks of operating a mise en place or meal prep service

Even though they may not be directly involved in cooking the final food products, these businesses could be dragged into a lawsuit should someone become ill, get food poisoning or injured from a foreign body in the food, e.g. a chipped tooth from improperly washed lettuce.  Lawyers will look at every stage of the process, and try to apportion the blame on everyone involved.  Having liability insurance will protect you should this occur.

adding an additional insured for commercial kitchens and incubator kitchens 

Mise En Place or Meal-Prep Services typically use a commercial kitchen or rental space to avoid the high expense of purchasing a location, equipment etc.  The location may require that they be added as an 'Additional Insured' on the certificate of insurance.  This can quickly and easily be done at any stage.  We can also increase Tenant's Legal Liability (TLL), if required, from the standard $100,000 to up to $2,000,000.  

We have partnered with many commercial kitchens and incubator kitchens across Canada and can introduce you to them, if you require this service.

government regulations

Your local government will require that food for sale be prepared in a kitchen that has been inspected and meets health standards.  Cooking in your home kitchen will not be acceptable unless it has been officially inspected and passes their criteria, is independent from your family kitchen and solely used for your business (i.e. not personal, home cooking).  This can be costly, especially if you have to have to create a new kitchen space.  An alternative is to use a commercial kitchen that rents by the hour or by the day.    

commercial general liability insurance

Commercial General Liability Insurance is a must for anyone preparing food commercially.  It protects you and your finances should there be a claim from someone consuming your food; it also protects should a claim arise from clients coming to your workplace for business-related meetings or to pick up food.  Without it, you will be personally liable for your legal fees and all the costs of a successful claim.  Having it protects your hard-earned income and gives you peace of mind.  This is where Chef Insurance come in, and our Success Managers are always ready to assist and answer your questions.

large event coverage

We understand that many catering companies cater large events, such as weddings, corporate events etc.  Although our standard coverage is for up to 20 people, we can increase this to cover events up to 200 people.  This Large Event Coverage (LEC) can be added to our standard packages at any time.  Read more about LEC.

accounting and tax considerations

Your accountant can advise you on how to set up your business to take advantage of tax rules relating to business expenses.  You should also discuss the best way to set up your business (e.g. a sole proprietorship, a corporation etc.) to declare income, whether you need to charge sales tax etc.  Remember, it is a crime to earn income, including tips, without declaring it to Canada Revenue Agency (CRA), and there can be serious consequences for doing so.  Being convicted of tax evasion can also lead to fingerprinting, court imposed fines, jail time, and a criminal record. When taxpayers are convicted of tax evasion, they must still repay the full amount of taxes owing, plus interest and any civil penalties assessed by the CRA.

Food safety

There are many practices that are OK for a home-cook preparing food for their own family that are not OK when preparing food for sale.  If you have not already done so, you should enrol in a course to get up-to-date food safety training.  After all, anyone working with food can have a serious effect on the health and wellbeing of those consuming the food - it could be a matter of life and death.  Being armed with the necessary knowledge of how to handle food correctly, is essential to any foodservice business.

The Chef Alliance is a leading foodservice association in Canada offering Chefs and Entrepreneurs a place to grow their business.  They can benefit from liability insurance to protect their clients and finances, peer support strengthen their business, discounts to lower their business costs, market their services and increase profits.  This leaves them time to concentrate on what they do best - cook great food!