Where can one buy liability insurance for a personal chef business in New Jersey?
Ask your friends for a referral to a good local independent agency in your area. If you are new in business, you may be told that because of what you are doing and because you are new in business, you might have to be placed with a Surplus Lines (i.e., hard to place) carrier at higher rates.
Check with several independent agencies, perferrably by asking for local referrals first. Agents are very busy and good ones are selective about who they insure. If you are referred by a valued client, they will respond more enthusiastically than if you just call or walk in.
A "personal chef business" is not something they are used to finding coverage for, so you may encounter resistance. Go out of your way to explain what you do and what controls you employ to avoid liability claims.
Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more!