Private chefs and personal chefs experience the real deal. They earn twice more than what chefs in renowned restaurants and hotels earn. Nonetheless, private and personal chefs still face risks.Thats where personal chef insurance comes in.
Personal and private chef Insurance can help mitigate the problems private and personal chefs face during the course of their career. This articles aims to provide insights about this.
Private and Personal Chef Liability Insurance
Personal and private chefs can easily commit mistakes in food preparation. Common faults in food preparation are:
- Incorrectly thawing frozen food
- Cooking food at incorrect temperatures
- Cross contamination
- Failure to wash cooking equipment properly
Food preparation errors result in foodborne illnesses. In connection, clients can sue personal and private chefs if they become sick. On average
A basic general liability coverage offers $1 million up to $2 million for foodborne illness personal injury lawsuits.
The table below shows the most common foodborne illnesses in the United States according to the FDA ( Food and Drug Safety Administration ) as well as their personal injury compensation cost, which chef insurance will pay for:
Foodborne Illness | Possible Injuries Caused | Estimated Settlement Cost |
Campylobacter | Abdominal pain, bloody diarrhea, fever, and nausea | $1.4 million |
Hepatitis A | Jaundice, abnormal urine, malaise, loss of appetite, and live failure | $2.2 million |
Listeria | Miscarriage, fatigue, confusion, convulsion, stiff neck, and disorientation | $833,000 |
Salmonellosis | Death, fever, abdominal cramps, and diarrhea | $10.4 million |
Aside from the contraction of foodborne illness due to poor food preparation, clients can also file a lawsuit against personal or private chefs because of food allergies.
professional liability insurance to covers food allergies. Professional liability provides $1 million minimum coverage, and it will take care of legal costs and settlement fees.
Can Chefs Use Insurance to Cover Breach of Contract Lawsuits?
Clients pay a lot for the service of personal and private chefs. And since they pay a lot, they also expect not only good but unparalleled performance. However, The failure to fulfill one’s duties and responsibilities might result in legal issues such as breach of contract.
Carriers allow personal and private chefs to use their professional liability insurance to cover breach of contract lawsuits. These policies will provide the payment for the lawyer, the witnesses, and the settlement to the plaintiff if ever the lawsuit won’t end well.
Personal Car Insurance or Commercial Auto Insurance for Private and Personal Chefs?
Personal auto insurance accounts for some risks regarding the use of a car for work purposes. And so, chefs can decide to get chef car insurance policy for their vehicles used for work. However, carriers incur additional costs for premiums in this case.
Unlike personal auto insurance that provides very limited coverage, commercial auto gives a minimum of $500,000 up to $1 million to the policy holder.
What Insurance Will Provide Coverage if Private and Personal Chefs Lose Their Job?
Losing a job is painful, problematic, and the least that one wants to happen. Business interruption provides coverage for lost income up until the time a business is up and running once again.
Unemployment insurance is the second option.Unemployment insurance provides money during the period personal and private chefs are not employed. The amount they will receive isn’t 100% equal to their salary.
Also, it’s important to note that unemployment insurance will only continue to supply money for at least 5-8 months.
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Business Insurance for Personal and Private Chefs
Carriers offer insurance for chefs as a business owners policy. A business owner’s policy usually bundles commercial property and general liability coverage together. However, it’s actual features will vary depending on the carrier offering it.
Private and Personal Chef Insurance Cost
- Private and personal chef liability insurance cost is $76 a month or $912 a year provided that the policyholder only gets a $1 million general liability coverage
Pricing that we provided here are just estimates based on the common rates most private and personal chefs pay. Private and personal chef insurance cost is determined by several factors such as:
Location
The state your private chef business is located in could influence the cost of your insurance cover. Some states require a set amount of coverage based on profession.
Number of Employees
Just like the café business insurance, the cost of personal chef business insurance is influenced by the number of employees. If your business has a significant number of employees, your policy will cost more.
Private and Personal Chef Insurance Companies
Next Insurance
Next Insurance aims to provide an efficient and cost-effective small business insurance to personal and private chefs as well as other independent professionals like bakers .Next allows their policyholders to furnish certificates of insurance and name additional insureds with no additional fees.
Pros
- Allows customers to bundles insurance coverages to get 5% up to 10% discount
- Online claims filing and insurance application
- Free certificate of insurance and naming of additional insureds
Cons
- Everything is done via the Next insurance website and so, not so techy users might find difficulties in familiarizing how things work
Average cost: $70 per month
Our rating : 10/10
State Farm Insurance
While State Farm is famous for its auto insurance policies, it still offers coverage for personal chefs with its catering business insurance program. The coverage this company provides is numerous. State Farm customers only deal with highly trained agents who also run their own businesses.
Pros
- Numerous coverages in its personal and private chef insurance
- Commercial auto policy for chefs is trusty
- Agents are legit business owners who have first-hand experience about the risks customers face
Cons
- Rumored to refuse cancellation of insurance policies and refuse refunds
Average cost: $62 per month
Our rating : 10/10
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Thimble Insurance
Thimble, just like Next, allows customers to get insurance by applying online. The company personal and private chef insurance only offers basic liability coverage. Nonetheless, Thimble has a five star BBB rating and a 4.8 star rating at TrustPilot.Thimble even has online industry tools that allow customers to get an estimated cost of their premiums.
Pros
- Online insurance application process
- Five star BBB rating
Cons
- Personal chef insurance isn’t comprehensive and offers additional coverages as stand-alone policies
Average cost: $53.13 per month
Our rating : 8/10
USPCA Private and Personal Chef Insurance
The USPCA (United States Personal Chef Association) offers a liability insurance program. However, this coverage is only available for USPCA members who are in good standing. it doesn’t cover individual members but the entire organization as a whole. Coverage also extends to the members’ employees and business partners.
Pros
- Unique liability coverage for personal and private chefs
- GL and PL coverages that don’t only cover the policyholder but also their employees and business partners
Cons
- A customer must be register to USPCA before enjoying its liability insurance program
Average cost: $25 per month
Our rating : 8/10