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What insurance do I need to supply a food product to a store?

pissu_kolla - 2006-02-23 11:14:24 - Insurance

I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please? any ideas to where i can also get this type of insurance from?

Best Answer:

You need General Liability Insurance, including product liability insurance. This is to protect the store (and you) in case there is a problem with the food you provide, someone gets sick and sues you (or the store). If you have employees, you'll also need workers compesation in case one of your employees gets hurt while on the job. Not sure why you'd need bonding insurance unless the store is looking to protect itself against some breach of duty that you have ot supply them with product.

Answers:

You need General Liability Insurance, including product liability insurance. This is to protect the store (and you) in case there is a problem with the food you provide, someone gets sick and sues you (or the store). If you have employees, you'll also need workers compesation in case one of your employees gets hurt while on the job. Not sure why you'd need bonding insurance unless the store is looking to protect itself against some breach of duty that you have ot supply them with product.

I'm not sure what bonding is ... I always wondered. But, Definately Liability.

you need gen liab but Make sure it included products and completed operations coverage. So their is coverage if your food makes someone sick or kills them. If you dont have products completed opps coverage your in a heep of trouble. I would suggest at least a 2 million dollar aggreigate limit