Increasingly, Personal Chefs and Private Chefs are found working in the kitchens of average Canadian families. Much like a gardening or cleaning service, these professionals are becoming an integral part of our lives. Longer commute times, dual-income households and hectic extra-curricular activity schedules make cooking healthy meals difficult. Sure, there are lots of meal-delivery, frozen meal and meal-kit options, but these are not ideal for every household.
This is where Private and Personal Chefs come in, because they tailor menus specifically to each clients' dietary needs - taking allergies, likes/dislikes, health goals etc. into consideration. Meals are freshly prepared in the clients' homes.
Even though they are working in their clients' homes, liability insurance is essential. A slip-and-fall that occurs as a result of a Personal or Private Chef's negligence, for example, could result in a lawsuit, since they are ultimately responsible for their workspace. Any breakages or damage to their clients' property, even if unintentional, would also be solely their fault. Food poisoning claims can cost thousands in medical bills and lost productivity.
These events could cost thousands of dollars in medical, legal or replacement costs. Without liability insurance, this could make the difference between running a business and going through bankruptcy.
Catering companies serve food to a multitude of people. From private catering of a small dinner party in a client's home to a larger event, such as a wedding or corporate event, large and small catering companies have high exposure to risks, such as lost equipment, property damage and food poisoning.
Operating a catering business without liability insurance is risky, and could cost you business. Would you hire someone who didn't care enough to protect your health and assets? Because without the protection of liability insurance, the caterer or the catering business (depending on the company structure) would be responsible for any costs of a medical or legal claim, and if they don't have the money to pay, then bankruptcy is an option which gets them off the hook, but which leaves the client high-and-dry. Clients are knowledgable of these issues, and usually require proof of liability insurance to be presented during the initial interview stage, before signing a contract.
For catering companies using a commercial kitchen or rental space, there may be a requirement to add the location as a 'Named Insured' or 'Additional Insured.' This can quickly and easily be done at any stage.