Insurance???

BBQ_MAFIA · 05-20-2010, 04:15 PM

A friend asked if I would be interested in cooking for a "WET DOWN" in July.
The fire department in his town is celebrating the delivery of their new fire truck.

Here is my question.

If the fire department supplies all the food, from spices to meat, and I cook it on my cooker without charging them, do I still need to be insured?

If so, do the same rules apply to Church picnics and gathering of that sort?

I don't have insurance issues but I'm just not sure how this would work.

What to you guy think.

Dr_KY · 05-20-2010, 05:08 PM

I'm thinking if something happens in regards to the food then the city/ town wont take the bullet for it. Get your own insurance to cover your backside. There are company's out there that do one day/ event insurance and it's not a bad price.

landarc · 05-20-2010, 05:14 PM

Unless you are an employee of a public agency, they cannot shield you from lawsuits. Further, many agencies now have policies requiring them to pass legal costs and defense onto their suppliers and contractors. I would not go without some insurance, event insurance is usually pretty reasonable.

Churches are a different thing, but, they are also notoriously poor in the eyes of the public. Again, if you are feeding the public, insurance is not a bad idea.

big brother smoke · 05-20-2010, 05:23 PM

You need to have insurance, you must protect our niece's inheritance!

Bbq Bubba · 05-20-2010, 06:15 PM

Being insured is always a good way to go.

That being said, if your cooking AT the fire dept. FOR the fire dept, you should be fine. If your looking to sell OR give food to the public, cover your arse.

BBQ_MAFIA · 05-20-2010, 07:04 PM

Thanks guys.

Ford · 05-20-2010, 08:19 PM

Fact - if you cook it you can be sued. Period, end of discussion. Nobody cares if it was improper handling before, during or after cooking. Would you be totally liable, probably not but you'd still be liable.

I never cook without controlling the meat from pickup at a "qualified" store to serving. And yes insurance will partly protect you but if you allow others into the process your insurance won't cover them unless named as co-insured. Supply equipment and walk away or don't do it.

FYI - even if you have an LLC, if you cook the food your personal assets are still up for grabs.

dreed · 05-20-2010, 08:41 PM

Quote:

Originally Posted by Ford

Fact - if you cook it you can be sued. Period, end of discussion. Nobody cares if it was improper handling before, during or after cooking. Would you be totally liable, probably not but you'd still be liable.

I never cook without controlling the meat from pickup at a "qualified" store to serving. And yes insurance will partly protect you but if you allow others into the process your insurance won't cover them unless named as co-insured. Supply equipment and walk away or don't do it.

FYI - even if you have an LLC, if you cook the food your personal assets are still up for grabs.

Nice summary, we just got insurance for vending along with our serve-safe,
insurance for a year 475.00 and serve safe course 175.00 good for 5 years. A little piece of mind at vending events. priceless

Ford · 05-21-2010, 07:57 AM

Servsafe is actually a form of insurance. You can show that you know the rules and that you are a "safe" cook. It may influence a judge or jury depending on other factors in the case. Also some counties here in MI now require it and it is required in Indiana.

dreed · 05-21-2010, 07:28 PM

I had taken it because PA and NY and I believe NJ require it as well. It was actually a very good class. If anyone thinks they know it all about food safety, because they know the holding temps, they are setting themselves up for liability

05-20-2010, 04:15 PM	#1
BBQ_MAFIA Quintessential Chatty Farker Join Date: 07-10-05 Location: NORTH BERGEN, NEW JERSEY Downloads: 1 Uploads: 0	Insurance??? A friend asked if I would be interested in cooking for a "WET DOWN" in July. The fire department in his town is celebrating the delivery of their new fire truck. Here is my question. If the fire department supplies all the food, from spices to meat, and I cook it on my cooker without charging them, do I still need to be insured? If so, do the same rules apply to Church picnics and gathering of that sort? I don't have insurance issues but I'm just not sure how this would work. What to you guy think. __________________ Guido Lang 60 Lang 84 Deluxe Warmer with Chargrill Large Spicewine Large BGE XL - BGE Med. BGE ( Bought it for my son Vincenzo) Brinkman Snp Brinkman ECB GOSM Weber Kettle Kenmore Elite Gasser Camp Chef Outdoor Stove 1-Banjo

05-20-2010, 05:08 PM	#2
Dr_KY Quintessential Chatty Farker Join Date: 12-15-07 Location: England Downloads: 0 Uploads: 0	I'm thinking if something happens in regards to the food then the city/ town wont take the bullet for it. Get your own insurance to cover your backside. There are company's out there that do one day/ event insurance and it's not a bad price. __________________ www.drsweetsmoke.com Slappin that bass like some delerious funky preist!!! UDS, Half Pint (Mini UDS), Weber, ProQ 20, Kegrilla 250 gallon cooker- 'The Meat Beast!!' British BBQ Championships Grand Champion 2008 ~~~~ British BBQ Society - Southern Championship Grand Champions 2009

05-20-2010, 05:14 PM	#3
landarc somebody shut me the fark up. Join Date: 06-26-09 Location: San Leandro, CA Downloads: 0 Uploads: 0	Unless you are an employee of a public agency, they cannot shield you from lawsuits. Further, many agencies now have policies requiring them to pass legal costs and defense onto their suppliers and contractors. I would not go without some insurance, event insurance is usually pretty reasonable. Churches are a different thing, but, they are also notoriously poor in the eyes of the public. Again, if you are feeding the public, insurance is not a bad idea. __________________ "perhaps...but then again...maybe not..." careful there son, those ribs are boiling hot... \_\|_/ (='.'=) Here there be bunnies... (")_(")ooo Pacific Rim BBQ Bob's Brew and Que

05-20-2010, 05:23 PM	#4
big brother smoke somebody shut me the fark up. Join Date: 05-03-06 Location: Ventura, CA Downloads: 0 Uploads: 0	You need to have insurance, you must protect our niece's inheritance! __________________ Peace and Smoke, BBS https://www.bigpoppasmokers.com/stor...nufacturer=314 My Weapons: Custom rig - Kandi, UDS; Bubba Keg; 22.5 WSM x 2; 18.5 WSM; BWS extended party; BWS Gator and an Onyx Oven; 29' ft Coachmen Leprechaun (Lola); Avatar by Grillman. Dan Chambers get well soon, so we can tell you to "Shut up Chambers"

05-20-2010, 06:15 PM	#5
Bbq Bubba somebody shut me the fark up. Join Date: 05-03-07 Location: New Baltimore, Mi. Downloads: 0 Uploads: 0	Being insured is always a good way to go. That being said, if your cooking AT the fire dept. FOR the fire dept, you should be fine. If your looking to sell OR give food to the public, cover your arse. __________________ Pitmaster @ Lockharts BBQ Beer Snob I cook the best brisket north of Dallas. Get over it. Northern midwest director for OBR www.operationbbqrelief.com

05-20-2010, 07:04 PM	#6
BBQ_MAFIA Quintessential Chatty Farker Join Date: 07-10-05 Location: NORTH BERGEN, NEW JERSEY Downloads: 1 Uploads: 0	Thanks guys. __________________ Guido Lang 60 Lang 84 Deluxe Warmer with Chargrill Large Spicewine Large BGE XL - BGE Med. BGE ( Bought it for my son Vincenzo) Brinkman Snp Brinkman ECB GOSM Weber Kettle Kenmore Elite Gasser Camp Chef Outdoor Stove 1-Banjo

05-20-2010, 08:19 PM	#7
Ford is Blowin Smoke! Join Date: 04-14-07 Location: Lakeland Florida Downloads: 0 Uploads: 0	Fact - if you cook it you can be sued. Period, end of discussion. Nobody cares if it was improper handling before, during or after cooking. Would you be totally liable, probably not but you'd still be liable. I never cook without controlling the meat from pickup at a "qualified" store to serving. And yes insurance will partly protect you but if you allow others into the process your insurance won't cover them unless named as co-insured. Supply equipment and walk away or don't do it. FYI - even if you have an LLC, if you cook the food your personal assets are still up for grabs. __________________ Ford Owner/Head Cook/Chief Bottle Washer for Great Lakes BBQ & Feed Competition BBQ Team FBA Member, KCBS Member & KCBS Certified BBQ Judge Spicewine medium, weber kettle, gas grill

05-21-2010, 07:57 AM	#9
Ford is Blowin Smoke! Join Date: 04-14-07 Location: Lakeland Florida Downloads: 0 Uploads: 0	Servsafe is actually a form of insurance. You can show that you know the rules and that you are a "safe" cook. It may influence a judge or jury depending on other factors in the case. Also some counties here in MI now require it and it is required in Indiana. __________________ Ford Owner/Head Cook/Chief Bottle Washer for Great Lakes BBQ & Feed Competition BBQ Team FBA Member, KCBS Member & KCBS Certified BBQ Judge Spicewine medium, weber kettle, gas grill

05-21-2010, 07:28 PM	#10
dreed Full Fledged Farker Join Date: 02-01-09 Location: Montvale, NJ 07645 Downloads: 0 Uploads: 0	I had taken it because PA and NY and I believe NJ require it as well. It was actually a very good class. If anyone thinks they know it all about food safety, because they know the holding temps, they are setting themselves up for liability __________________ [COLOR=Blue]Is it 2012 Yet???[/COLOR] Three Men and a Baby Back, KCBS, CBJ 2 each 22.5 WSM Weber kettle Medium Spicewine three barrel smoker

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