What Food Service Contractors Are All About:
This industry consists of individuals that provide food services for a specified period of time. Examples of these establishments include airline food services, concession contractors (e.g. at sporting, entertainment, convention facilities), and cafeteria food services (e.g. at schools, hospitals, government offices).
What type of insurance does this industry need?
- General Liability: This policy protects your business in case of third-party claims, such as bodily injury or property damage. Getting the right General Liability policy in place can help you get more jobs and grow your business. General Liability insurance is often considered to be a core coverage, particularly for businesses that regularly physically interact with customers and do work at other people’s properties. In addition, a General Liability policy is usually required for you to get a job.
- Workers Compensation: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.
