As you get ready for your next farmers market, you should be aware of some of the risks you face on the job, and how you can prevent them. From cleanliness to maintenance procedures to farmers market insurance, here are a few tips on how you can protect yourself: 1. Wash Your Produce Regardless of Where You Bought It, and Maintain Its Cleanliness Make sure every item of product you sell has been thoroughly washed. It doesn’t matter if it was grown on your property or elsewhere, organic and pesticide-free or not—if you’re selling it, make sure it’s as clean as possible as close to the time it’s sold as possible. Pay attention to the state of your produce throughout the day. While food may have been clean when you set up shop in the morning, it’s been exposed to people, germs, dust, and... Read more

With more clients and more events to cater, that means more chances something could go wrong. For example, in 2013 a catered dinner may have led to a man’s death because of food poisoning. The small restaurant was taken to court for $2.9 million in damages. While you may take every precaution possible to make sure that your food is uncontaminated, history has shown us that things can slip through the cracks. With catering insurance, you will have a safety net if the catastrophic does happen. What’s certain is that at $299 it is much more affordable than getting sued and having to pay for all of that out of pocket. Product Liability Insurance What’s one of the worst-case scenarios for any food business? Someone becomes ill after eating your food. You could be held liable for the medica... Read more

Starting a food business is hard work. One of the first barriers you face is needing a licensed commercial facility or commissary kitchen to produce your food legally. But where do you start? Building a facility can cost thousands of dollars. Taking out a long-term lease on a kitchen before you know if your company is going to thrive is risky. Finding a restaurant that has available kitchen time you can use may come with limitations on time and storage capacity. You can avoid some of these examples by implementing responsible business practices, but other examples you’ll read below could happen to any caterer on any job. This being the case, you owe it to yourself to protect your business with catering insurance. What is an aspiring food entrepreneur to do? Fortunately, in the las... Read more

As you already know, you will face numerous risks when you serve alcohol to patrons. There’s really no way around it. You can be prepared with the proper training and experience, but you can’t account for unknown variables such as the actions of the people you serve. From fatal car accidents to bodily injuries, you need to be ready for worst-case scenarios. The best thing you can do is safeguard yourself and your livelihood by carrying liquor liability insurance. Here are three of those worst-case scenarios. In each case, the person serving the alcohol was held liable. Liquor Liability Insurance Claim Example 1 Jonathan Palacios was escorted to his car after drinking at a liquor establishment in Corpus Christi, Texas. The intoxicated Palacios ended up driving his car in the opposite... Read more

As a caterer, you have the opportunity to serve food at some amazing events, such as weddings, birthday parties, corporate events, and more. However, your food safety plan may not run smoothly at every event. As a caterer, you need to account for human error and make sure your risk management strategy includes catering insurance. Imagine you’re serving food at a wedding reception and your guests fall ill after consuming your food. How would you respond? Food poisoning can happen to any caterer and it is important to make sure your business is covered. The Conarton-Abbott Wedding Melissa Conarton and Jesse Abbott contracted a catering company to serve food at their wedding reception. There were over 100 people that got sick and 22 that were hospitalized overnight. According to cour... Read more