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SPECIALTY FOODS

PERSONAL CHEFS

When the personal chef is looking to secure quotes for insurance, there are several things to consider. The biggest concern of personal chefs is that they want a policy to provide them coverage if someone gets food poisoning, starting a fire in a clients home, burning a countertop, etc. These are just a few possibilities. But…what about your property and things that can happen to you?

There are two types of policies that we normally recommend for members of the Personal Chef Network, They are as follows:

General Liability Policy
This gives you coverage for bodily injury or property damage that you could cause to someone else due to your negligence, including increased fire damage legal liability. Liability limits quoted are $2,000,000 occurrence, with a $4,000,000 aggregate. Examples of things covered are food poisoning, burning a countertop, catching the house on fire, damaging other appliances in clients home, etc.

Another item that can be added to the general liability policy is hired and non owned auto liability. This coverage gives you liability coverage for your personal auto that you would be using in the course of your business.

Business Owners Policy
This policy includes the above general liability coverage’s, plus protects your business personal property. Most homeowners/renters policies exclude business personal property (items used for your business), or coverage’s are very limited.
Additional coverages included in the BOP are:

  • Employee Dishonesty
  • Computer Coverage
  • Spoliage
  • The deductible on this policy is $500.

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