insurance ?

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Except for the last three years I've been a self employee carpenter/building contractor. I still have liability insurance and I've had a catering waver added to it. I pay around $475 a year in Vermont. Insurance is reasonably priced up here. I think my insurance is for 1M and 10M and I have no idea what they stand for it might be lower, I've never had to use it.
 
I think most quotes in my area, coastal Carolina were around 600 bucks a year, but I shopped around and got it for 350. In my case, the mall that hired me had secured all the food as a donation from costco. So my costs were just my time and some gas to cook a ton of hotdogs. I even
had volunteers to help me serve. The mall of course required insurance for a public event, so I just charged them what the insurance would cost.
My benefit was insurance for an entire year.
 
check with your insurance company but most would only require a general commercial liability policy. Some may make you purchase an additional rider but not usually. That was just my wife's .02..and shes an insurance co vp so she has a little insurance knowledge. :D
 

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