MONDAY, JULY 20, 2020
 Certainly, someone running a restaurant or a store needs general liability insurance. But what about those kiosks you see popping up in malls and shopping centers? These are small stalls selling sunglasses, jewelry or other items, usually attended by one or two high-schoolers or college-aged employees wearing polo shirts and looking to make a little extra money on the weekend or after class. The overhead for these businesses is low — as the cost of renting a high-traffic spot in the mall is going to be far less than renting a storefront, you don't need a full staff, and there are no utilities to pay. But is general liability insurance a necessity for these businesses?
Don't Assume The Mall Has You Covered
Who owns the property? is often the determining factor in who's going to pay out a general liability claim. Often, but not always. Just as a tenant may be held responsible for injuries sustained in their rented apartment, so you may be held liable for injuries and damages taking place on the stretch of tiled-floor that you're renting from the mall.
The Mall Might Want You To Insure Your Rented Area
It is unlikely that a mall kiosk is going to do much damage to the spot rented from the mall. It's hard to damage those floors on purpose, let alone on accident. But sustaining no damages — even minor ones — is such an unlikely outcome that the business or landlord hosting your kiosk might still require insurance.
A kiosk may be a very small business, consisting of just a few dozen square feet of space, a couple boxes worth of products and a single employee. But it is a business. Any business operating in a public space is subject to the same risks as any other and may be a target for lawsuits. You might never need to file a claim on your general liability insurance as a kiosk owner, but it's good to know that you have the option.
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