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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.
Private, personal, and freelance chef insurance can help mitigate the problems chefs face during the course of their career. This articles aims to provide insights about this.
Personal and private chefs can easily commit mistakes in food preparation. Common faults in food preparation are:
Food preparation errors result in foodborne illnesses. In connection, clients can sue personal, private, or freelance chefs if they become sick. This is where public liability insurance for chefs plays a vital role in protecting chefs from legal claims. 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.
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 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.
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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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.
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:
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.
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.
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.
Average cost: $70 per month
Our rating : 10/10
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.
Average cost: $62 per month
Our rating : 10/10
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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.
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.
Average cost: $25 per month
Our rating : 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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