While breweries and food trucks may seem like a natural paring, Beall Brewery Insurance would like to point out that breweries that allow food trucks onto their property expose themselves to additional liability that must be addressed.
When a brewery allows a food truck onto its property, it is exposed to “vicarious liability,” meaning that the brewery can be liable for damages caused by the food truck—for instance, a slip and fall resulting from the truck’s oil spill, or even food poisoning.
How can a brewery protect itself from this exposure?
- Request a certificate of insurance for a food truck’s general liability, business auto, and workers compensation coverage.
- Request to be added as an additional insured on a food truck’s general liability and business auto policy.
- Request a waiver of subrogation for a food truck’s workers compensation coverage.
These simple steps will help protect a brewery from vicarious liability, while still providing opportunity to offer brewery patrons something to eat while they’re at the brewery.
For more than 25 years, Beall Financial and Insurance Services, Inc., has been helping corporations and individuals protect their most important assets. The agency’s client base covers a spectrum of niche businesses, such as craft breweries, that require specialized insurance packages and knowledge. With California offices in Redlands and Newport Beach, Beall Financial and Insurance Services serves clients nationwide.
