Whether you’re selling handmade goods, serving food, or running a temporary attraction, here’s how to protect your business (and your bottom line) this autumn. 
General Liability Insurance: Your First Line of Defense
Most event organizers require proof of general liability coverage before you can set up your booth, tent, or truck. This coverage protects you if:
- A customer trips on your display and gets hurt
- You accidentally damage the venue’s property
- Someone claims your product caused injury or illness
If you don’t operate year-round, ask about short-term event policies. These can be more affordable for seasonal businesses and will still offer the coverage that you need.
Food Liability for Vendors & Trucks
If you’re serving food or beverages, you face additional risks—especially foodborne illness or allergic reactions.
Make sure your policy includes:
- Product liability coverage (for food-related illness or injury claims)
- Completed operations coverage (in case a problem occurs after the event ends)
Some venues may also require a certificate of insurance (COI) listing them as an “additional insured.”
Protect Your Equipment & Inventory
Outdoor events bring weather unpredictability, theft risks, and the potential for accidents.
Consider:
- Inland marine insurance (despite the name, it’s not for boats—it covers mobile equipment and goods in transit)
- Coverage for tents, signage, cooking equipment, and POS systems
- Seasonal inventory protection in case of storm damage or theft
Venue & Permit Requirements 
Many municipalities require proof of insurance before issuing event permits. Festival organizers may also set minimum coverage limits you must meet.
Always:
- Review insurance requirements well before the event
- Send your COI to the organizer by the deadline
- Check if you need liquor liability coverage if serving alcohol (even samples)
Weather & Event Cancellation Coverage
Fall weather can be unpredictable—especially for outdoor events.
Event cancellation insurance can help cover:
- Non-refundable fees if the event is canceled due to severe weather
- Lost revenue from a forced closure
- Vendor expenses you’ve already paid
Have Fun this Fall!
From bustling farmers markets to cozy fall festivals, seasonal events are a great way to connect with your community, but one unexpected accident or weather disaster could wipe out your profits. Make sure that doesn’t happen by getting the proper insurance.
📞 Before you book your next booth or pop-up, contact us! We’ll help you find the right coverage so you can focus on making your fall season a success.
