Illustrative only
Sample vendor claims
Six situations that come up for food vendors, and which coverage each one points at.
These are general illustrations, not representations that any policy would respond the same way. Every claim is reviewed against the actual policy in force.
A customer says your food made them ill
A customer buys from your booth at a county fair and later says the product caused food poisoning and kept them off work. The claim is for medical costs and lost earnings.
Points at: Products and completed operations, inside general liability.
Someone slips near your cart
A member of the public slips on spilled drink close to your setup and is injured. They name you in the claim regardless of who spilled it.
Points at: Bodily injury, inside general liability.
Your cart damages someone else's property
While repositioning, your trailer clips a parked car in the market lot.
Points at: Property damage, inside general liability. The towing vehicle itself is commercial auto.
A fire at the commissary
A fire at the commissary where your cart is stored destroys $25,000 of stock and equipment overnight.
Points at: Inland marine or business personal property — not general liability. Business income covers the weeks you cannot trade.
A customer chokes on the product
A customer at a swap meet chokes on a packaged product bought from your booth.
Points at: Products and completed operations.
A trip on a food pod walkway
A visitor trips on an uneven walkway between two carts at a pod. The claim lands on the operator of the site, not on the nearest cart.
Points at: Premises liability on the pod operator's own policy.
For what each of those coverages does, see coverage types.