How much does Catering Service insurance cost in Lexington, Kentucky?

The estimated annual cost for a Catering Service in Lexington with one employee is between $941 and $1384. The state base rate is $870.

What insurance is required for a Catering Service in Kentucky?

In Kentucky, businesses are subject to a 6.0% insurance tax. Catering Services typically need General Liability due to a risk factor of 1.2.

Catering Service Insurance Cost in Lexington, Kentucky (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$941-$1384

Estimated Annual Premium

Monthly Average Breakdown

$92 / 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$870
Lexington Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Lexington?

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

Why is the rate different here?

Your premium reflects Kentucky's specific base rate of $870 and a local city multiplier of 1x.

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