Restaurants--Operated by Concessionaires--Other Than Not-For-Profit

What Does GL Code 16819 Cover?

ISO GL class code 16819 covers restaurants operated by concessionaires that are not-for-profit. This code specifically classifies general liability exposures for food service establishments operating within another entity's premises, such as stadiums, airports, amusement parks, or convention centers. It accounts for risks associated with food preparation, service, and customer interactions in a concession-style environment.

Who Uses This Class Code?

This code applies to various food service businesses operating as concessionaires, including snack bars in sports arenas, cafes within museums, food stalls at fairs, and catering services operating under a concession agreement in venues like concert halls or exhibition centers. It also covers independent food vendors with a concessionaire model within larger commercial or public spaces.

Common GL Claims for This Class

Common claims for restaurant concessionaires include slip-and-fall incidents by patrons in serving areas, food poisoning or allergic reactions from prepared items, and property damage caused by cooking equipment malfunctions or spills within the concession stand.

Coverage Tips for Code 16819

• Ensure your concession agreement clearly defines liability responsibilities between your operation and the venue owner to avoid coverage disputes.
• Verify your policy includes product liability coverage for foodborne illnesses or allergic reactions, as these are common risks for concessionaires.
• Maintain meticulous records of gross receipts, as this is often the basis for premium calculation, to prevent audit discrepancies.
• Confirm that your general liability policy extends to temporary locations or events if your concession operates at various sites throughout the year.