A question we hear extremely often from vendors is 'Do I need to get insurance?' We thought it'd be best to consult an expert on the matter. This month's article will show you why it's a good idea to get liability insurance.
Rating festivals is extremely helpful to your fellow vendor. In addition to rating the events in Pro Search, we've also created a "Recently Ended Events" page. More below on that, we think you will find it quite handy!
FN Newsletter Editor
Protect Your Food Business With Liability Insurance
by the Food Liability Insurance Program writing team at fliprogram.com
Shows, festivals, and fairs provide an ideal opportunity for food businesses to establish themselves in their community. As insurance experts who work with various food vendors, we understand how important it is that they have this opportunity, and we also understand how important it is to have liability insurance.
Liability insurance provides protection to the purchaser in the event that they are determined responsible for damages to a third-party's property or a third-party's person. Food businesses are particularly vulnerable to these kinds of damage.
Here's what could happen if your business doesn't have liability insurance:
1. Without liability insurance, you won't be able to set up your food vending services at events.
Whether it's because of local regulations or a precaution the event managers are taking, liability insurance is often a requirement for selling at events.
It's also important to know that events may also (and often do) require an insurance policy that covers not just the vendor and their business, but also the event's name and location. This kind of requirement is what's called listing the event as an additional insured. Having an additional insured on a policy simply means that the policy extends to the listed person or organization.
For example, if you own a hot dog cart and you want to sell your products at a local farmer's market, then when you obtain liability insurance for that event, you might need to list the market as an additional insured on your policy.
Adding additional insureds may or may not be free. Some insurance companies may charge you for it, and others won't. Before purchasing a policy for an event, verify this information with the insurance company.
2. Liability Insurance Can Save You Money
Whether you sell hot dogs or baked goods, or you sell from a cart or a trailer, your business faces liability risk.
Here are just a few of the common claims we have received from food vendors:
Read more here!
- A customer slips and falls somewhere within your rented business premises and injures themselves. Liability costs include compensation for the customer's injuries.
Tell Us What You Think About Events!
Rating shows is an extremely important way to influence the quality of shows available to you. It's a sure way to have your voice heard by the promoter, to show appreciation for a good event/promoter, and to influence others' decisions when they're trying to find quality events.
To more easily find shows you may have attended and rate them quickly, we've created a page where you can find Recently Ended Events. You can bookmark this page, and it will always default to the previous month in your state. You can also search by other options on that page to find shows you attended and want to rate.
We highly recommend leaving reviews for shows you've dealt with, no matter what the experience. The good, the bad, the ugly - we, the promoter, and other vendors and artists want to hear it all! Leaving a rating and review is a fantastic way to show promoters what they're doing right, and what needs to be improved on.
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