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Click here for the most competitive Concessionaire Insurance Program

Concessionaires are small establishments that are typically operated out of a booth or kiosk and offer a single product or service. Popcorn, pretzel and sno cone stands; shoe shiners; beach chair and umbrella rentals; luggage checkers; restroom attendants and coat checkers are all concessionaires. If food is sold, cooking does not take place on-site. Concessionaires may be operated by a single owner or by an owner and several employees.

General Liability Insurance for Concessionaire With No Cooking – Concessionaires should take all precautions necessary to ensure that areas around their stands or carts are easily navigated by patrons and free of any hazards. Any sharp objects or hot surfaces should be out of reach of customers or clearly marked with warning signage. Products for sale should be easily accessible. Shelving and displays should be structurally sufficient to prevent collapse and customer injury. Concessionaires should place their stands or carts in areas that are out of the line of traffic or other threats. Products liability can result from contaminated or spoiled food. All items being sold must be continuously checked for freshness and quality.

Workers’ Compensation Insurance for Concessionaire With No Cooking – Most Concessionaires have a limited number of workers per station. Risks usually result from injury moving the station or operating it. All employees should be properly trained in setting up and moving the station, as well as the proper lifting techniques to prevent back injury or strain. Injury can result from working with sharp objects or hot surfaces, and employees should be properly trained to reduce risks.

Business Auto Insurance for Concessionaire With No Cooking – When employees of Concessionaires use their own vehicles for company related business or to transport supplies, their MVR’s should be checked. Additionally, they should be required to carry a Personal Auto policy with minimum Auto Liability limits of $300,000 combined single limits.

Property Insurance for Concessionaire With No Cooking – Fire is a risk for Concessionaires, especially if heating elements are used to keep precooked food warm. All heating mechanisms should be checked regularly and kept clear of paper or other flammable materials. Because many Concessionaires are set up outside, elements of wind and rain can pose a risk. Concessionaires should take the proper precautions and discontinue service if the weather becomes inclement. Wheels, umbrellas, awnings or other features of the concessionaire should be checked and maintained regularly to reduce property damage risks.

Crime Insurance for Concessionaire With No Cooking – Loss of money and securities and employee theft contribute to the criminal risks of Concessionaires. Proper screening and background checks should be performed on all employees. All monies should be secured through procedures of monitoring the cash register, immediately stamping all checks “for deposit only”, separating employee duties and depositing money daily. Because many concessionaires have only one or two employees, monies should be crosschecked with sales receipts and inventory counts.