--- title: What Restaurants Should Know About Insurance When Expanding into Catering description: Discover the key insurance considerations for restaurants expanding into catering, including auto liability, general liability, and workers' compensation. image: https://blog.concklin.com/hubfs/restaurant%20catering.png --- [Skip to content](https://blog.concklin.com/what-restaurants-should-know-about-insurance-when-expanding-into-catering#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Dec 17, 2025, 9:24:50 AM # What Restaurants Should Know About Insurance When Expanding into Catering ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/what-restaurants-should-know-about-insurance-when-expanding-into-catering) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/what-restaurants-should-know-about-insurance-when-expanding-into-catering) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/what-restaurants-should-know-about-insurance-when-expanding-into-catering) [envelope icon](mailto:?body=https://blog.concklin.com/what-restaurants-should-know-about-insurance-when-expanding-into-catering) What Restaurants Should Know About Insurance When Expanding into Catering 2:44 Catering does not always look like weddings or large staffed events. For many restaurants, it starts much simpler. A large office lunch. A holiday meal for a family gathering. A bulk order that needs delivery and light setup before staff head back to the restaurant. These orders feel like an extension of takeout, but from an insurance standpoint, they introduce new exposures that deserve a closer look. ## Delivery Expands Auto Exposure Office lunches and holiday meals often involve delivery. If employees use personal vehicles to deliver orders, [hired and non-owned auto liability](https://insurance.concklin.com/hired-non-owned-auto-insurance) coverage becomes critical. Without it, the restaurant may have little protection if an employee is involved in an accident while delivering food. If the restaurant owns or brands a delivery vehicle, [commercial auto coverage](https://insurance.concklin.com/commercial-auto-insurance) should be reviewed to ensure proper limits and usage classification. ## Employees Entering Offices and Homes Changes Liability When staff enter offices, breakrooms, or private homes to drop off and set up food, new property damage exposures arise. Spilled food, damaged counters, or any other property damage can lead to claims. [General liability policies](https://insurance.concklin.com/commercial-general-liability-insurance) typically cover these exposures, but only if off premises operations are part in the policy structure. This is especially important if staff are setting up warming trays or chafing dishes, as they are working at a 3rd party location. ## Other Coverage Areas Worth a Quick Review As bulk orders and deliveries become more routine, it is also smart to review other parts of your insurance program. [Workers’ compensation](https://insurance.concklin.com/workers-compensation-insurance) should reflect any changes in employee duties related to lifting, delivery, or setup. [Property coverage](https://insurance.concklin.com/commercial-property-insurance) should be reviewed to confirm how portable equipment, warming trays, and food are protected while in transit. While these areas often remain adequate, a quick check helps ensure coverage keeps pace with how the restaurant is operating today. ## Growth Without Overcomplication Office lunches, family gatherings, and holiday meals are a natural extension of restaurant service and an effective way to grow revenue without changing your brand. From an insurance perspective, the goal is not to over insure or treat your operation like a full-scale catering company. It is simply to confirm that your existing coverage keeps pace with how your restaurant currently operates. A brief coverage review before catering orders become routine can help prevent surprises and support sustainable growth during busy seasons. Concklin Insurance Agency works with restaurants nationwide to align coverage with real world operations, including expanded delivery and large order services. [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## Related posts [![Graphic of different alcohol bottles](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/alcohol-3764267.jpg?height=200&name=alcohol-3764267.jpg)](https://blog.concklin.com/blog/ask-an-expert-liquor-liability-insurance.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [Ask an Expert – Liquor Liability Insurance](https://blog.concklin.com/blog/ask-an-expert-liquor-liability-insurance.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Mar 1, 2019, 12:00:00 AM Liquor Liability Insurance offers coverage against claims of property damage and injuries that are... 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[Read more](https://blog.concklin.com/blog/professional-liability-versus-management-liability.html) [![Woman in purple shirt eating a salad](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/woman-with-healthy-food-at-the-restaurant-2021-12-11-01-47-46-utc.jpg?height=200&name=woman-with-healthy-food-at-the-restaurant-2021-12-11-01-47-46-utc.jpg)](https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality) ## [General Liability Goes Further For Restaurants](https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Sep 20, 2022, 12:00:00 AM When we think about general liability we think of bodily harm or property damage resulting from... 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