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Requirements - Cafes & Retail

Insurance Requirements for Sidewalk Cafes, Streateries, Partklets, and other Public Space Rentals for Retail and Food and Beverage Service

Effective Through December 31, 2020

  • General Liability: $1 million per occurrence / $2 million aggregate
  • Workers’ Compensation: $500,000 per accident for injury, per employee for disease, and for policy disease limit
  • Automobile Liability (for food trucks): $1 million per occurrence combined single limit for bodily injury and property damage
  • Execute Indemnification and Hold Harmless Agreement. A copy of the agreement is provided here.


Effective 1/1/2021:

Retail and Food & Beverage Use (no alcohol served)

Coverage

Occurrence Limit

Aggregate Limit

General Liability

1,000,000

2,000,000

Auto Liability (for Retail or

Food Trucks)

1,000,000

Not Applicable

Umbrella Liability

2,000,000

2,000,000

 

Food & Beverage Use (serving alcohol with alcohol less than 30% of total receipts):

Coverage

Occurrence Limit

Aggregate Limit

General Liability

1,000,000

2,000,000

Auto Liability (for Food Trucks)

1,000,000

Not Applicable

Liquor Liability

1,000,000

1,000,000

Umbrella Liability

3,000,000

3,000,000

 

Food & Beverage Use (serving alcohol with alcohol receipts between 31%-75% of total receipts):

Coverage

Occurrence Limit

Aggregate Limit

General Liability

1,000,000

2,000,000

Auto Liability (for Food Trucks)

1,000,000

Not Applicable

Liquor Liability

2,000,000

2,000,000

Umbrella Liability

4,000,000

4,000,000

 

Food & Beverage Use (serving alcohol with alcohol sales 76% or greater of total receipts):

Coverage

Occurrence Limit

Aggregate Limit

General Liability

1,000,000

2,000,000

Auto Liability (for Food Trucks)

1,000,000

Not Applicable

Liquor Liability

2,000,000

4,000,000

Umbrella Liability

5,000,000

5,000,000


Contact Information:
[email protected]