A caterer typically needs several kinds of insurance to protect the business from various risks, including:

• General Liability Insurance: Covers bodily injury or property damage caused by the business operations, such as slips, spills, or venue damage during catering.
• Product Liability Insurance: Covers claims related to food or beverage consumption, including foodborne illnesses or allergic reactions.
• Employers' Liability Insurance: Required if the caterer has employees; it covers workplace injuries or illnesses.
• Damage to Rented Premises: Covers accidental damage to venues or kitchens rented for catering events.
• Additional optional coverages can include liquor liability (if serving alcohol), equipment insurance, business interruption insurance, and legal expense insurance.

These coverages are designed to meet event or venue requirements, protect against claims and lawsuits, and provide financial security for the catering business.