Cooking is a life skill that many people want to improve. Whether students attend your classes to become better home chefs or to pursue a professional culinary career, there’s lots of variety and knowledge you can offer. There’s also a lot of risks involved because of the specialized equipment and food involved. As with any service that involves food products and education, health and safety standards must be met. In addition, your students can file for litigation alleging different claims.
Having cooking school insurance can protect you and your business against any risks that may arise during operations. At ALIGNED, we help businesses and organizations find the right insurance policy for their needs, so they can operate confidently.
Why is Cooking School Insurance Important?
When you are teaching someone a skill, there are always risks of accidents, injuries, damage, and other issues. Especially when your school focuses on cooking and uses different food products as an integral part of the curriculum, risks can have costly repercussions.
- One of your students is injured or suffers property damage while on the premises of your cooking school.
- Misuse or malfunction of one of the cooking tools or machinery causes an injury.
- Your equipment or school suffers property damage from fires, floods, or other causes.
- The ingredients your school uses cause a student to suffer illness or an allergic reaction.
Equipping your cooking school with the right cooking school insurance can ensure your business doesn’t burn in the event of an accident.
What Does Cooking School Insurance Include?
Commercial General Liability Insurance – also called CGL insurance, provides coverage for injuries, bodily harm, and property damages occurring to a third party during your business operations. For example, if a student is injured on your premises, you are covered for lawsuits, losses, and medical expenses.
Product Liability Insurance – although students aren’t technically buying your food products, the ingredients you use are a part of the overall service you sell. If your products cause an allergic reaction or illness, product liability insurance covers the legal, medical, and settlement costs for any damages caused.
Commercial Property Insurance – your cooking school operates in a building and relies on many expensive and highly specialized equipment to operate. It’s important to ensure your assets are protected in the event of a fire, vandalism, flood, or other natural accident beyond your control.
Find the Right Cooking School Insurance with ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Contact an ALIGNED commercial insurance specialist for a free quote, or use our free online tool.