Jerky Vendor Insurance

Jerky gets sold from kiosks and booths at swap meets, county fairs and festivals all over the country. It is food, it is sold to the public, and it carries the same general liability exposure as anything else on the row.

What can actually go wrong at a jerky booth

• A customer chokes on a piece and is hurt
• A customer says the product made them ill and kept them off work
• Someone slips near your booth and names you in the claim

None of these are exotic. They are the ordinary reasons a food vendor ends up defending a claim, and they are what general liability with products and completed operations is written for.

Products liability is the part that matters

Packaged food travels. Someone can buy from your booth on Saturday and eat it a fortnight later at home, and the claim still points back at you. Products and completed operations is the coverage that responds to that, which is why a premises-only quote is the wrong purchase for a jerky vendor even when it is cheaper.

The certificate

Swap meets and fairs ask for the same certificate every other vendor provides: general liability at the limits in the vendor agreement, with the organizer named. Have their exact legal name and address ready and it is a short job.