Overview — Cochrane & Company: Caterers and Halls Insurance
Serve up new business with Cochrane & Company's Caterers and Halls Insurance program. Offered through Cochrane & Company as a Managing General Agency, this program places coverage on a monoline or package basis for a range of event-related risks. The program combines general liability, property and optional ancillary coverages to address common exposures for halls, mobile food vendors and event caterers.
Eligible risks
- Halls
- Catering/Sandwich Trucks
- Ice Cream Trucks
- Caterers providing food service for events such as:
- Weddings
- Parties
- Meetings
Coverage highlights and program advantages
Coverage Features — Caterers and Halls Insurance
- Primary limits up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments coverage — included
- Additional interests — $100 each
- Liquor Liability available
- Excess or Umbrella limits up to $25,000,000
No deductible required for Caterers and Halls Insurance.
Property and ancillary coverages
Property
- Accounts Receivable
- Basic, Broad, or Special Form
- Building
- Business Income
- Computer Equipment
- Replacement Cost or Actual Cash Value
- Food Spoilage
- Inland Marine
- Equipment Breakdown Coverage
- Outside Signs
- Valuable Papers
Crime
- Inside the Premises — Theft of Money and Securities
- Inside the Premises — Robbery or Safe Burglary of Other Property
- Outside the Premises
Ideal accounts and appetite
This program is best suited for small-to-medium sized halls and event spaces, mobile food vendors (including sandwich and ice cream trucks), and caterers who provide food service for weddings, parties, corporate meetings and similar events. It addresses common exposures such as foodborne illness and spoilage, on-site bodily injury, liquor-related liability, equipment breakdown and property loss for venues and mobile units.
Generally a good fit:
- Independent caterers who serve scheduled events rather than permanent high-volume restaurants
- Owners/operators of community or banquet halls, wedding venues and meeting spaces
- Mobile food vendors with organized operations and routine maintenance records
May be limited or require referral: accounts with significant past liability losses, venues with unusually large capacity or permanent night-club-style operations with high alcohol exposure. For unusual or high-hazard accounts, underwriters may request supplemental information or decline placement.
Underwriting notes and minimums
Underwriting evaluates operations, revenue, food-handling controls, alcohol service practices, security and loss history. Documents commonly requested include an application, recent loss runs, description of operations (menus, event types), and details about hired vendors or subcontractors. Minimum premium and specific terms vary by account and carrier.
Territories and admitted status
States available: AK, CA, ID, MT, NV, NM, ND, OR, WA, WY. Carrier availability varies by state and account. Admitted status is not listed for this program; carrier markets and filing status should be confirmed at submission.
Why place this business with Cochrane & Company
Cochrane & Company provides a focused MGA market for event-related food service exposures. The program’s combination of high primary limits, included medical payments, available liquor liability and sizable umbrella capacity makes it a practical option when your clients need more than basic coverage. Use this market when you need flexible package options and ancillary property/crime coverages tailored for caterers, mobile vendors and halls.
For more information on Caterers and Halls Insurance, please contact Cochrane & Company through your usual wholesaler channels to confirm carrier availability and submission requirements.