General Liability for Concessionaires

Operating at fairs, festivals, sporting events, and other public gatherings puts you in direct contact with large numbers of people in environments you don't control. Wet grass, crowded pathways, hot cooking equipment, and temporary tent structures all create liability exposure that could result in significant claims against your business without proper insurance.

A general liability policy for concessionaires includes coverage for bodily injury — if a customer is injured at your booth due to your operations, your GL policy covers their medical expenses, legal defense costs, and any settlement or judgment against you. It also covers property damage, protecting you if your operations damage the venue, neighboring vendors' property, or other third-party property.

Products and completed operations coverage is a key component of general liability for food vendors. This extends your coverage to include claims that arise after the customer has left your booth — for example, a claim of food-related illness that develops hours after your event. While general liability includes this coverage, food vendors should also consider a dedicated product liability policy for more robust protection.

The Additional Insured requirement is standard at virtually every event you'll participate in. Event organizers protect themselves by requiring vendors to name them as Additional Insureds on the vendor's GL policy. This means that if a claim arises from your operations at their event, your insurance extends to cover the event organizer as well. We add additional insureds at no charge and process certificate requests same-day.

Standard GL limits for event vendors are $1 million per occurrence and $2 million aggregate — these are the minimum limits most events require. Some larger events, stadium concession programs, and amusement park vendors may require higher limits. We can structure your policy to meet any event's insurance requirements.