{"id":19795,"date":"2025-05-04T14:54:25","date_gmt":"2025-05-04T18:54:25","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/"},"modified":"2026-06-26T01:55:34","modified_gmt":"2026-06-26T05:55:34","slug":"catering-insurance-get-a-quote-in-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/","title":{"rendered":"Assurance Traiteur Qu\u00e9bec \u2014 2026 premium, RC, events"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 28px;border-radius:12px;color:#fff;text-align:center;margin-bottom:32px\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Catering-insurance-in-Quebec-2026-%E2%80%94-Food-transportation-events-liability\" >Catering insurance in Quebec 2026 \u2014 Food, transportation, events liability<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Catering-Insurance\" >Catering Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Risks-specific-to-your-caterer\" >Risks specific to your caterer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Essential-Protections-to-Include\" >Essential Protections to Include<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Premium-2026-%E2%80%94-indicative-table\" >Premium 2026 \u2014 indicative table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Tips-for-lowering-your-premium\" >Tips for lowering your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Frequently-Asked-Questions-%E2%80%94-Catering-Insurance\" >Frequently Asked Questions \u2014 Catering Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Helpful-Resources\" >Helpful Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/catering-insurance-get-a-quote-in-3-minutes\/#Ready-to-protect-your-caterer\" >Ready to protect your caterer?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"color:#fff;font-size:2.1em;margin:0 0 16px;font-family:Sora,sans-serif\"><span class=\"ez-toc-section\" id=\"Catering-insurance-in-Quebec-2026-%E2%80%94-Food-transportation-events-liability\"><\/span>Catering insurance in Quebec 2026 \u2014 Food, transportation, events liability<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#cbd5e1;font-size:1.15em;max-width:780px;margin:0 auto 24px;line-height:1.6\">Independent Broker AMF \u2014 15+ insurers compared. Affordable premium, coverage tailored to the specific risks of your industry. <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1.05em\">Free quote in 3 minutes<\/a>\n<div style=\"margin-top:16px;color:#94a3b8\">or call <a href=\"tel:+18663574451\" style=\"color:#10c4c7;font-weight:600\">1-866-357-4451<\/a><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">A catering service in Quebec has a <strong>unique exposure to risk<\/strong> : food products prepared in one place, transported, and then served in large volumes at events (weddings, corporate events, festivals). A case of <strong>gastroenteritis<\/strong> can affect 50-300 guests \u2014 potential claims of $100,000 to $1 million. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-traiteur.jpg\" alt=\"Professional kitchen caterer \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Catering-Insurance\"><\/span>Catering Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Caterers combine <strong>food preparation + transportation + off-site service<\/strong>. They need general liability (poisoning), property insurance (kitchen equipment, refrigerated truck) and <em>spoiler<\/em> coverage for perishable goods. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Risk #1:<\/strong> Food poisoning in a client. A single claim can reach <strong>$500,000 to $2 million<\/strong>. Minimum recommended liability coverage: <strong>$2 million<\/strong>, ideally $5 million for high-volume events.  <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Catering insurance covers: kitchen equipment (ovens, fridge, dishes, silverware), delivery vehicles, expanded food liability ($5 million minimum recommended), <strong>alcohol served<\/strong> (if applicable), liability during events, loss of food. Premium: <strong>$1,800 to $4,600\/year<\/strong>. <\/p>\n\n<div style=\"background:#f8fafc;padding:28px 20px;border-radius:12px;margin:32px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px\">\n<div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$1,800+<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">premium avg.<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$5M<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Minimum liability coverage<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">300<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Typical guests<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">72h<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Critical preparation<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-your-caterer\"><\/span>Risks specific to your caterer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 40px\">\n<div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Collective food liability<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Intoxication at the wedding buffet = 80-200 potential claimants. A caterer with no $5 million in liability coverage is <strong>underinsured<\/strong> \u2014 legal fees alone can exceed $100,000. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Transport of dishes<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Delivery vehicle accident = lost dishes, ruined event, customer lawsuit for damages. Cover food in transit and <strong>contractual liability<\/strong>. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Room &#038; equipment rental<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">If you rent a room and your equipment breaks a counter\/floor: rental liability required (often $1-2 million on the rental contract).<\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Temporary liquor licence<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">If you serve alcohol with a temporary RACJ licence: <strong>host<\/strong> liquor liability must be included \u2013 a drunk patron who causes a motor vehicle accident can trace you back.<\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-to-Include\"><\/span>Essential Protections to Include<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:20px 0 36px\">\n<div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Equipment &#038; vehicles<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Kitchens (commercial ovens, hot rooms), refrigerated delivery truck, dishes.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Food liability $5 million<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Collective poisonings, injuries to events. Minimum essential. <\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Host liquor liability<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">If you serve alcohol: liability protection for drunk third parties.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Event Cancellation<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Optional \u2014 compensation if your kitchen burns down 24 hours before a big contract.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;padding:32px 24px;border-radius:12px;text-align:center;color:#fff;margin:36px 0\">\n<h3 style=\"color:#fff;margin:0 0 12px;font-size:1.4em\">Get your personalized catering quote<\/h3>\n<p style=\"color:#cbd5e1;margin:0 0 20px\">Compare up to 3 specialist insurers \u2013 free and without obligation<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600\">Start my quote<\/a>\n<div style=\"margin-top:12px\"><a href=\"tel:+18663574451\" style=\"color:#fff\">\u260e 1-866-357-4451<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premium-2026-%E2%80%94-indicative-table\"><\/span>Premium 2026 \u2014 indicative table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<thead style=\"background:#0d1f2d;color:#fff\"><tr><th style=\"padding:14px;text-align:left\">Profile<\/th><th style=\"padding:14px;text-align:left\">Volume \/ Detail<\/th><th style=\"padding:14px;text-align:left\">Annual Bonus<\/th><\/tr><\/thead>\n<tbody><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Small Volume Catering (&lt;CA$50K){{{wpml_tag_16}}}{{{wpml_tag_17}}}Private Events{{{wpml_tag_18}}}{{{wpml_tag_19}}}CA$1,800 \u2013 CA$2,600{{{wpml_tag_20}}}{{{wpml_tag_21}}}{{{wpml_tag_22}}}{{{wpml_tag_23}}}Medium Catering (CA$50K-CA$250K){{{wpml_tag_24}}}{{{wpml_tag_25}}}Corporate + Private Events{{{wpml_tag_26}}}{{{wpml_tag_27}}}CA$2,600 \u2013 CA$3,800{{{wpml_tag_28}}}{{{wpml_tag_29}}}{{{wpml_tag_30}}}{{{wpml_tag_31}}}Large Volume Catering (>CA$250K)<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Weddings  Festivals<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">CA$3,600 \u2013 CA$4,600<\/td><\/tr><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Catering + room + liquor license<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Full event<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">CA$4,200 \u2013 CA$6,400<\/td><\/tr><\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips-for-lowering-your-premium\"><\/span>Tips for lowering your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"background:#f0fdfa;padding:24px 28px 24px 44px;border-radius:12px;color:#0d1f2d;margin:20px 0 36px\">\n<li style=\"margin-bottom:10px;line-height:1.6\"><strong>Written contract<\/strong> with each customer (menu, allergens, permits): reduces the risk of litigation + required by the insurer.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>HACCP\/MAPAQ training<\/strong> for staff: proof of due diligence in the event of a lawsuit.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Temperature log<\/strong> by dish (preparation \u2192 transport \u2192 service): essential if public health survey.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Temporary RACJ permit<\/strong> for each event with alcohol + additional host liability.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Catering-Insurance\"><\/span>Frequently Asked Questions \u2014 Catering Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How much does catering insurance cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Average premium: <strong>CA$1,800 to CA$6,400\/year<\/strong> depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What protections are essential for a caterer?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Minimum: <strong>Commercial Liability (CA$2-5M)<\/strong>, building\/content (replacement cost), equipment, business interruption. Industry-specific endorsements (Equipment &amp; vehicles, Food Liability CA$5M) are often crucial.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Is the CNESST included?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">No. The CNESST is a <strong>mandatory contribution<\/strong> managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Do I have to declare all my income exactly?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Yes. A <strong>underreporting<\/strong> can lead to a proportional penalty (<em>proportional rule<\/em>) in the event of a claim: if you reported CA$400K but actually make CA$800K, you receive <strong>50% of the compensation<\/strong> due.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Are my subcontractors covered by my policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>No<\/strong>. Each subcontractor must have their own liability insurance. Always request a <strong>certificate of insurance<\/strong> and add yourself as an <em>additional insured<\/em> on their policy. Otherwise, you remain responsible for the damages they cause.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What is a replacement cost vs depreciated value?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Replacement cost<\/strong>: you are reimbursed the current price of equivalent new equipment. <strong>Depreciated value<\/strong>: reduced amount due to wear and tear (e.g., 10-year-old fridge = 30% of its new value). Replacement cost is recommended \u2014 additional cost 10-15%.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Can I insure my commercial vehicles with the same policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Often yes, but sometimes it&#8217;s more advantageous to <strong>separate<\/strong>: distinct commercial fleet policy. We compare both scenarios to choose the most economical one.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How long does it take to be compensated after a claim?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">With <strong>up-to-date inventory + photos + financial documents<\/strong>: settlement in 4-8 weeks. Without evidence: it can drag on for 4-12 months. That&#8217;s why we recommend a digital inventory backed up off-site.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What should I do if my insurer refuses to renew it?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases \u2014 call 1-866-357-4451.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How do I get my catering quote?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Fill out our <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"color:#10c4c7;font-weight:600\">3-minute form<\/a> with your annual income, area, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. \u260e 1-866-357-4451.<\/div><\/details>\n<div style=\"background:#f0fdfa;padding:32px 24px;border-radius:12px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 16px\">Why choose Assur360<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px\">\n<div><strong style=\"color:#10c4c7\">\u2713 AMF  Chamber of Insurance<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Accredited and certified firm<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 15+ insurers compared<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Intact, Desjardins, Beneva, Aviva, Economical, Belair&#8230;<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 100,000+ Quebecers served<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Since 2008<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 No cost, no obligation<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Our commission is paid by the insurer<\/span><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Helpful-Resources\"><\/span>Helpful Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;margin:20px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Business Insurance Overview<\/a>\n<a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial General Liability $<\/a>\n2-5M<a href=\"\/assurance-biens-commerciaux\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial Properties (Building + Content)<\/a>\n<a href=\"\/assurance-cyber-risques\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Cyber Risks  Wire Fraud<\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:40px 24px;border-radius:12px;text-align:center;color:#fff;margin:40px 0 24px\">\n<h2 style=\"color:#fff;margin:0 0 12px\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-caterer\"><\/span>Ready to protect your caterer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;margin:0 0 24px\">3 minutes \u2014 up to 3 quotes compared \u2014 no commitment<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px\">Start my quote<\/a>\n<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;border:2px solid #fff;margin:4px\">\u260e 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Catering Insurance in Quebec 2026 \u2014 Food Liability, Transportation, Events\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/Assurance-entreprise.jpg\",\"datePublished\":\"2026-04-19\",\"dateModified\":\"2026-04-19\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/logo.png\"}}}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Caterer\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-traiteur\/\"}]}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much does catering insurance cost in Quebec in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Average premium: $1,800 to $6,400\/year depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.\"}},{\"@type\":\"Question\",\"name\":\"What protections are essential for a caterer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Minimum: Commercial liability (2-5M$), building\/content (replacement cost), equipment, business interruption. Specific endorsements for your industry (Equipment & vehicles, food liability 5M$) are often crucial.\"}},{\"@type\":\"Question\",\"name\":\"Is the CNESST included?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The CNESST is a mandatory contribution managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).\"}},{\"@type\":\"Question\",\"name\":\"Do I need to report all my income exactly?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Underreporting can lead to a proportional penalty (proportional rule) in the event of a claim: if you reported $400k but actually make $800k, you receive 50% of the compensation due.\"}},{\"@type\":\"Question\",\"name\":\"Are my subcontractors covered by my policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Each subcontractor must have their own liability insurance. Always request a certificate of insurance and add yourself as an additional insured on their policy. Otherwise, you remain responsible for the damages they cause.\"}},{\"@type\":\"Question\",\"name\":\"What is replacement cost vs. actual cash value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Replacement cost: you are reimbursed the current price of equivalent new equipment. Actual cash value: reduced amount for depreciation (e.g., 10-year-old fridge = 30% of its new value). 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