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General Liability Insurance 101 for Mobile Food Vendors

General Liability Insurance 101

What is General liability Insurance?

General Liability protects the your mobile food vending business from lawsuits of bodily injury or property damage from a third party. Note though, this coverage does not cover employees.

Why have general liability insurance?

First, having general liability allows you to enter into contracts with event organizer, landlords, or commissary kitchens that require you to have coverage.

General liability insurance provides claims and legal expense protection from the below types of claims?

Food borne illness

Chipping a tooth from biting into something that should not be in the food.

Slip and fall. For example a customer’s trip over an extension cord you left out, or burn themselves on your generator.

Advertising injury, if someone sues you over your marketing.

Common mistakes:

Having a premise only policy, which means the policy doesn’t follow you when you move locations.

A policy that charges fees for each certificate they provide you.

Policies with deductibles. Since the insurance company pays the legal fees to defend, having no deductible allows you to pass the claim and legal expense onto the insurance company If a claim should occur.

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  • All Rights Reserved
  • CA License # OI22663
  • (800) 985-7859 / (512) 551-0337
  • 12600 Hill Country Blvd. R-275
  • Austin, Texas 78738