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Every concession stand offers different services and products, but all need general liability insurance. If you sell alcohol, you need liquor liability, and if you own a mobile concession stand, commercial auto is a must. If you only operate for a portion of the year, ask your agent about seasonal coverage for your concession stand.
This insurance pays expenses to replace, settle, and defend lawsuits when you are responsible for injury (i.e. food poisoning) or damage to a third party or their property.
Forty-three states have a Dram Shop law that states businesses who serve alcohol to an intoxicated individual are liable for their actions. This policy pays costs to defend your business, settle claims, and repair property damage in those cases.
Mobile concession stand owners need a Commercial Auto policy in case they cause an accident. The policy pays to replace your vehicle or trailer and for any property damage or injury to a third party.
Business Property insurance pays to replace your building and property if it is destroyed in a fire, stolen, or if faulty equipment causes food to spoil.
Workers' Compensation insurance is required in many states. It pays lost wages and medical expenses when an employee injures themselves working for your concession stand.
Concession stands are a staple at more than just the local movie theater. These days you can find concession stands at parks, ball games, fairs or carnivals, and the local outdoor market. As a concession stand owner, you know food is a risky business. Even though you go to great lengths to maintain cleanliness and quality, you need to protect yourself. The only way to protect your concession stand business and your assets is to buy insurance.
There is a wide array of risks you face daily. Here is a look at the most common in the concession stand industry:
Depending on the type of concession business you operate, the products you sell, and the location; the price of your insurance may fluctuate. Additionally, depending on which coverages are applicable to your operations, premiums will vary.
For example, if you operate a mobile concession stand that serves hot dogs at an amusement park and employ 10 workers, your General Liability and Worker’s Compensation Insurance may be higher than a concession stand owner that operates a drink stand and with just 2 employees. It is important to get a quote in order to get an exact cost of coverage for your concession business.
Every carrier views concession stands differently. Request a quote below for Concession Stand Insurance today.
Yes. But depending on the state you are in the license could be temporary or permanent. In any case, you still need to procure a license before you can start your concession stand business.
Additional insured means that you add the owner to your insurance policy and he/she enjoys the benefits of being insured under that insurance policy. The additional insured will be given an insured status but it has limited coverage than what the policyholder has. When you put someone on additional insured it means that they can make a claim from your insurance policy.
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