Personal Chef Insurance
Coverage for the chef who brings the kitchen to the client's home or event.
What this coverage is intended to address
- ✓Third-party bodily injury or property damage that may arise while you cook and serve in a client's space
- ✓Damage to a client's kitchen, fixtures, or furnishings during a private dinner or catered event
- ✓Knives, cookware, and portable equipment you carry between jobs, when scheduled as inland marine
- ✓Additional-insured requests from venues, estates, or property managers where you are hired to cook
Coverage products commonly considered
Most personal chef operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A hot pan scorches a client's granite countertop during an in-home tasting menu — general liability is intended to respond in the event of a covered claim.
- A guest slips on oil a chef spilled while plating at a private party and is injured; bodily-injury coverage is generally intended to respond to an allegation of this kind.
Frequently asked questions
Does a personal chef need different coverage than a restaurant?
A personal chef typically works in clients' homes rather than a fixed location, so policies often center on general liability for off-site work and equipment you transport, rather than premises coverage for a storefront.
What if a client claims my food made them ill?
Foodborne-illness allegations are a recognized exposure for anyone preparing food. General liability policies are generally intended to address certain product-related bodily injury claims, subject to the policy form and exclusions.
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