Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$919-$1351
Estimated Annual Premium
Monthly Average Breakdown
$90 / 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$850
- Des-moines Multiplier1x
- State Tax Rate6.0%
Local Compliance FAQ
Is General Liability required in Des-moines?
While Iowa law may not mandate it for all businesses, Catering Services often need proof of insurance to bid on local commercial projects in Des-moines.
Why is the rate different here?
Your premium reflects Iowa's specific base rate of $850 and a local city multiplier of 1x.
Compare Catering Service Insurance in Other Iowa Cities
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