How much does Catering Service insurance cost in Memphis, Tennessee?

The estimated annual cost for a Catering Service in Memphis with one employee is between $961 and $1413. The state base rate is $880.

What insurance is required for a Catering Service in Tennessee?

In Tennessee, businesses are subject to a 7.0% insurance tax. Catering Services typically need General Liability due to a risk factor of 1.2.

Catering Service Insurance Cost in Memphis, Tennessee (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$961-$1413

Estimated Annual Premium

Monthly Average Breakdown

$94 / 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$880
Memphis Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Memphis?

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

Why is the rate different here?

Your premium reflects Tennessee's specific base rate of $880 and a local city multiplier of 1x.

Compare Catering Service Insurance in Other Tennessee Cities

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How much does Catering Service Insurance cost in Memphis?