Personal chef insurance
Cooking in client kitchens keeps a personal chef's band modest — foodborne-illness exposure is what the liability quote is really pricing.
The typical coverage stack
What a personal chef operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.
General liability
Worth consideringFoundational third-party coverage for bodily-injury and property-damage claims.
$320–$650/yr typical
Workers' comp
Commonly required by clientsWhether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.
Per $100 of payroll — run the checker with your state
Compare quotes
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Simply Business
A marketplace that shops multiple carriers in one flow — the fastest way to line up quotes side by side, and strong for same-day COIs.
Simply Business — trades
Trade-focused quote flow for contractors, cleaners, and other hands-on businesses.
Hiscox
A direct writer (not a marketplace) with a strong appetite for consultants and service firms; professional liability is its bread and butter.