How much does Catering Service insurance cost in Chicago, Illinois?

The estimated annual cost for a Catering Service in Chicago with one employee is between $1593 and $2343. The state base rate is $1050.

What insurance is required for a Catering Service in Illinois?

In Illinois, businesses are subject to a 6.3% insurance tax. Catering Services typically need General Liability due to a risk factor of 1.2.

Catering Service Insurance Cost in Chicago, Illinois (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1593-$2343

Estimated Annual Premium

Monthly Average Breakdown

$156 / mo

Includes General Liability

Industry Risk Profile

Caterers face risks related to transporting food, equipment damage, and serving food at third-party venues.

Risk Factor1.2x

Location Factors

State Base Rate$1050
Chicago Multiplier1.4x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Chicago?

While Illinois law may not mandate it for all businesses, Catering Services often need proof of insurance to bid on local commercial projects in Chicago.

Why is the rate different here?

Your premium reflects Illinois's specific base rate of $1050 and a local city multiplier of 1.4x.

Compare Catering Service Insurance in Other Illinois Cities

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How much does Catering Service Insurance cost in Chicago?