Caterers

What Does GL Code 11039 Cover?

ISO GL class code 11039 covers businesses primarily engaged in preparing and serving food and beverages at off-site locations, or at a client's premises, for events, parties, or corporate functions. This code classifies operations ranging from small independent caterers to large event catering companies, encompassing food preparation, transportation, setup, and service. It specifically addresses the general liability exposures associated with food handling, service, and temporary event setups.

Who Uses This Class Code?

This code applies to a variety of catering businesses, including independent caterers, event catering companies, corporate caterers, wedding caterers, and mobile food service providers that operate off-site. It also includes businesses that provide food and beverage services for banquets, private parties, and other special events, whether at rented venues or client-owned properties.

Common GL Claims for This Class

Common claims for caterers include food poisoning or allergic reactions from served food, slip-and-fall incidents caused by spills or equipment at event locations, and property damage to venues during setup or service.

Coverage Tips for Code 11039

• Ensure your policy includes product liability coverage, as foodborne illness claims are a significant exposure for caterers.
• Verify that your General Liability policy extends coverage for off-premises operations, including setup and teardown at various event locations.
• Require all temporary staff or subcontractors to provide proof of their own General Liability insurance and name your business as an additional insured.
• Understand Florida's food safety regulations and ensure your operations comply, as non-compliance can lead to increased liability and potential coverage issues.