Personal Chef Insurance Coverage Checklist
The coverages a personal chef business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for personal and private chefs. Priorities reflect typical exposure; confirm against where meals are prepared.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products) | Covers allergic reactions, illness, and damage to clients' kitchens. | Core | |
| Hired & Non-Owned / Business Auto | Covers driving to clients and shopping for ingredients. | Prevalent | |
| Professional Liability | Covers claims over dietary or meal-plan errors. | Situational | |
| Crime / Bond | Covers theft allegations in clients' homes. | Situational |
The coverage gap most often missed
The most commonly missed exposure for this class is an allergen error for a known client. Personal chefs cook for people with documented allergies and medical diets, where one cross-contact mistake can cause anaphylaxis — and homeowners policies won't cover the chef's business. Chefs should carry products coverage, use written allergy questionnaires, check every label, and label meals left for later.
Send us the checklist and we'll review your personal chef coverage line by line, then market it across multiple carriers that compete for your account.
Related: Personal Chef Insurance · Personal Chef Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a personal chef business need?
The core coverages for a personal chef business are Commercial General Liability (incl. Products). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my personal chef coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.