(888) 900 0205Kiosk General Liability Insurance
A Kiosk General Liability Insurance policy helps protect your business from common risks that kiosks often face. This coverage typically addresses third-party claims, such as bodily injuries or property damage that occur as a result of your business operations.
Whether a customer trips near your kiosk or there's damage caused by your setup, this policy helps cover medical expenses, legal fees, and judgments if your business is found responsible—up to your policy limits. Plus, it includes defense costs, ensuring you're not financially burdened by legal proceedings.
Is Kiosk General Liability Insurance Required
The requirement for Kiosk General Liability Insurance can vary by location. In some states or local jurisdictions, this type of insurance is necessary for securing business permits or setting up your kiosk in public spaces or malls.
While not all states legally require general liability insurance, many property managers or event organizers may insist on proof of coverage before leasing a space.
Coverage Under Kiosk General Liability Insurance
Kiosk General Liability Insurance covers several common scenarios that could impact your business, such as:
- Bodily Injury: If a customer slips and falls near your kiosk, this coverage can help with their medical bills.
- Property Damage: If your kiosk setup causes damage to the mall property or another vendor's display, the policy helps pay for repairs.
- Advertising Injury: If another business accuses you of slander or false advertising, this insurance can help cover legal costs.
- Product Liability: If an item you sell causes harm to a customer, your insurance can help pay for damages and legal fees.
What's Not Covered
While Kiosk General Liability Insurance covers many risks, there are situations it doesn't protect against. For example:
- Employee Injuries: If one of your workers gets hurt while setting up the kiosk, this is not covered by general liability. You'd need workers' compensation for that.
- Business Equipment Theft: If someone steals your kiosk’s inventory or equipment, general liability won’t help. You’d need commercial property insurance to cover this type of loss.
Other Insurance Kiosks May Need
Kiosks often benefit from additional insurance policies, such as:
- Auto Insurance: If you transport goods or equipment using a vehicle, you’ll need commercial auto coverage.
- Surety Bond: Helps ensure you fulfill contracts or obligations, often required by malls or landlords.
- Workers' Compensation: Covers medical costs for employee injuries.
- Excess Liability: Offers additional coverage if your general liability policy reaches its limits.
- Professional Liability: Protects against claims related to the services you provide, like errors or omissions.