Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
What does Insurance for Personal Chef cover?
Professional liability and general liability Insurance with Thimble was created with personal chefs in mind. It protects you from situations like the following:
Third-party, non-employee bodily injury
As you’re preparing dinner, one of your client’s children comes barrelling through the kitchen. While you’re off overseeing the stew, the kid runs into a table that you left your knife upon. The blade falls and cuts her foot. It’s not a bad cut, but the overprotective parents take her to the ER. After all is said and done, they expect you to cover the medical costs.
Third-party property damage
While you’re frying chicken and juggling several other tasks, a fire starts. You manage to extinguish it, but not before the custom-made cabinets have been badly burnt. The client requests that you pay for repairs.
Defense costs
You’ve been hired by a boxer to help him eat nutritiously and gain weight at once. Despite your best efforts, he doesn’t add enough pounds to make the desired weight class. The fight’s off and he’s not going to get a paycheck. He decides to take you to court, claiming you failed to uphold your end of the bargain. To defend yourself, you’ll need to hire a legal team.
Errors & omissions
You’re hired to consult a model who’s made the Sports Illustrated Swimsuit Edition. She needs help with her meal prep to help look her best. You give her a detailed plan to help her achieve her goals, but by the time the shoot rolls around, she’s not where the production director wanted her to be. As a result, she’s cut from the lineup and misses out on this career-making opportunity. In response, she sues you, stating that you gave her bad professional advice.
Personal Chef Insurance FAQs
How quickly can I get a Certificate of Insurance?
With Thimble, receiving your quote, policy, and Certificate of Insurance can be done instantly. On average, it takes less than 60 seconds to complete the process. And once you’ve finished, your COI will be sent to your inbox.
Have you been asked to come on set to help an actor plan his diet regimen for an upcoming film? If so, the production company will likely request that you have proof of insurance on hand.
With Thimble’s app, you can get as many as you’d like for free in less than a minute.
Want to change or modify your policy? That’s simple. Just visit our website or app and tell us what you want done.
The catering company I sometimes work for already carries business insurance. Do I need my own insurance?
When you’re not working alone, you may act as a subcontractor for a catering company or fill in at a restaurant. Although these companies may have business insurance, there’s no way to know whether or not you’re protected by the policy. Typically, such policies concern the business, not the employees.
Even if the company you work part-time for has insurance, it’s wise to have your own policy being that there could be gaps that leave you exposed to liability. For example, if you accidentally stain a client’s expensive carpet during a catering gig, you may be blamed and asked to pay for property damages.
No matter what you do, you shouldn’t enter someone else’s kitchen or home without a professional liability and general liability insurance policy in place. It’s the safeguard for your business, ensuring that you’re never ruined due to liability.
What are the Personal Chef Insurance policy limits?
Thimble allows you to choose between a limit of $1,000,000 or $2,000,000. The amount of coverage depends on your specific needs, but you’ll find that the price difference is negligible when you’ve got double the coverage.
Are workplace injuries of my staff covered?
No. If you hire a staff of servers and line chefs, you’ll need to purchase a workers’ compensation policy.
Does Thimble’s Personal Chef Insurance cover damage to my equipment?
No. It only covers third-party property damages. If you’re concerned about your cooking equipment, it would be wise to purchase a separate policy for commercial property insurance.
How do I get Personal Chef Insurance with Thimble?
In less than a minute, you can have a Personal Chef Insurance policy. Just download the Thimble app or visit our website. From there, provide us with your information, select your policy and desired length, and get your quote. Then you’ll click purchase and a COI will ship immediately to your inbox.
Get your Insurance for Personal Chef quote now.
Quick-thinking insurance for fast-moving businesses.
Simple.
Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Scalable.
Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
Flexible.
Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.
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