🍽️ Catering & Off-Premises Events: COIs & Additional Insureds 🎉🇨🇦
From weddings and corporate functions to festivals and fundraisers, catering businesses in British Columbia thrive on off-premises events. However, stepping outside your kitchen introduces new liability exposures—and additional insurance requirements.
⚡ Why COIs Matter
• Event venues often require a Certificate of Insurance (COI) as proof of liability coverage.
• A COI verifies that you meet the venue’s minimum coverage limits and comply with its contractual requirements.
• Without a COI, you may be prohibited from setting up or serving at the event.
🛡️ Additional Insureds
• Many venues also require being added as an Additional Insured on your liability policy.
• This extends your coverage to the venue if a claim arises from your catering operations (e.g., a guest slips on spilled food).
• Adding them reduces disputes between insurers and ensures the venue is properly covered under your policy.
📌 Why It’s Important in BC
• With liquor service 🍷, temporary structures, and large guest volumes, claims are not uncommon.
• A missing COI or failure to add an Additional Insured could result in breach of contract, canceled bookings, or uninsured claims.
✅ The Takeaway
For catering and hospitality businesses, COIs and Additional Insured endorsements aren’t just paperwork—they’re essential tools to ensure smooth operations and maintain strong relationships.
👉 Caterers: Do you have the right coverage in place for your next big event?
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