Commercial Kitchen Insurance
Dish up some savings with personalized commercial kitchen insurance policies for renters and owners.
Benefits of Commercial Kitchen Insurance for Renters & Owners
Discover the perks of insuring your kitchen space with Food Liability Insurance Program (FLIP).
Free & Unlimited Additional Insureds
Many commercial kitchen owners require you to add them to your policy as an additional insured. Add them for free any time with FLIP.
Tailored Coverage for Renters & Owners
Protect your business, menu, equipment, and more with FLIP’s customizable kitchen insurance for tenants and owners.
Meet Insurance Requirements Fast
Get instant online access to your Certificate of Insurance (COI), so you can secure your kitchen space and get cooking.
What Is Commercial Kitchen Insurance?
Insurance for commercial kitchens is designed to help protect your business from paying out-of-pocket for certain accidents that can happen while renting kitchen space. These can include:
- Third-party injuries (injuries to others caused by your business activities)
- Property damage (damages to your business property or third-party property damage)
- Foodborne illnesses (claims of food poisoning or reactions from the food you serve)
From a dropped case of ingredients cracking the tile floor to a customer getting sick from a dish you prepared in the kitchen, having coverage helps secure your business, so you’re more likely to get accepted by commercial kitchen owners.
Who Needs Commercial Kitchen Insurance?
FLIP’s commercial kitchen insurance is made to cover mobile food businesses and kitchen owners with comprehensive protection from prep to finish.
Commercial Kitchen Insurance for Renters
If you rent a shared kitchen to prepare food or manufacture packaged goods, you need commercial kitchen insurance. Get on-demand rental kitchen coverage for:
Commercial Kitchen Insurance for Owners
If you own a shared kitchen and rent space out to other food businesses, our partners at Insurance Canopy can help you get the coverage you need at a price that fits your budget. Discover coverage for:
- Commercial pantries
- Commissary kitchens
- Ghost kitchens
- Meal prep kitchens
- Shared-use kitchens
What Kind of Insurance Do Commercial Kitchen Renters Need?
Commercial kitchen tenants need a combination of liability, property, and restaurant equipment insurance to protect against common risks and meet kitchen rental requirements.
FLIP’s policy includes the essential protection you need, and you can add optional coverages to protect your business beyond the kitchen.
Type of Insurance | What it Covers | Example Claim | Included with FLIP? |
Third-party bodily injuries and property damage caused by your food business | Another tenant in the kitchen slips in your spilled sauce and injures their back | ✅ | |
Injuries to others or property damage caused by your products | A customer has an allergic reaction to your packaged product with a mislabeled ingredient | ✅ | |
Claims stemming from the food you serve and your services after the work is finished | After serving meals you prepared at the kitchen, several guests claim to have food poisoning | ✅ | |
Limited property damage to a space you rent | A kitchen owner claims your setup dented their stainless steel countertops | ✅ | |
Claims that you caused financial or reputational harm when promoting your businesses | Another business claims you copied their menu, causing them to lose sales | ✅ | |
Tools and equipment (inland marine) | Repairing or replacing stolen or damaged portable business and restaurant equipment | Your portable restaurant equipment gets stolen while leaving the kitchen on your way to an event | Optional |
Bodily injury or property damage resulting from alcohol-related claims | A guest gets intoxicated on the cocktail jelly cubes you prepped for an event and causes an accident on the way home | Optional | |
State-mandated benefits for employees who become injured/ill on the job | A member of your kitchen crew burns their hand on a hot pan and needs urgent care | Optional | |
Equipment breakdown | Repairing or replacing kitchen equipment that breaks down due to mechanical, electrical, or accidental operator issues | The walk-in refrigerator unit you rely on breaks down and needs to be repaired | ✖️ (available for kitchen owners with Insurance Canopy) |
Business income interruption | Lost income and operating expenses if you need to close your food business temporarily for covered damages | A fire forces the shared-use kitchen to close for repairs, causing lost revenue | ✖️ (available for kitchen owners with Insurance Canopy) |
Commercial property | Damages to your building (if you own it) and its contents, such as your equipment, furniture, and inventory | A grease fire breaks out, damaging the kitchen, equipment, and connected event space | ✖️ (available for kitchen owners with Insurance Canopy) |
How Much Does Commercial Kitchen Insurance Cost?
Commercial kitchen insurance starts at $25.92 per month or $299 per year for commercial kitchen renters who need affordable, on-demand coverage. Designed for chefs, caterers, and food businesses, you can craft your policy to fit your needs.
The final cost of coverage depends on:
- Your gross annual revenue
- The state you live in
- Your coverage limits
- Any add-on coverages you choose (like tools and equipment coverage)
Do you own a commercial kitchen and need coverage? The average cost of restaurant insurance for commercial kitchen owners is $2,500 per year or $208.33 a month. Get a quote for a policy that fits your budget.
Why Commercial Kitchens & Food Businesses Choose FLIP
Hear what other food business owners have to say about insuring their business with FLIP.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Commercial Kitchen Insurance
Is General Liability Insurance Enough to Rent a Commercial Kitchen Space?
General liability insurance is typically insufficient to fully protect your business against claims when renting commercial kitchen space. You may also need coverage for rented property damage, product liability for food-related claims, and tools and equipment insurance.
Can I Add the Commercial Kitchen I’m Renting As An Additional Insured?
Yes. Commercial kitchen owners and landlords can be added to your FLIP insurance policy as additional insureds to help protect them against claims caused by your business. You can add unlimited additional insureds for free when you buy a policy, or at any time after purchase through your user dashboard.
Does FLIP Offer Restaurant Equipment Insurance For Commercial Kitchen Renters?
Yes. FLIP offers restaurant equipment insurance options that can help cover the tools and gear you rely on to help run your food business. Adding tools and equipment insurance to your FLIP policy can help you cover the cost to repair or replace your movable restaurant equipment if it is stolen or suddenly damaged.
Other types of restaurant equipment insurance, like equipment breakdown and commercial property, are also available through our partner.
Is Commissary Kitchen Insurance Required By Law?
Commercial kitchen insurance is not required by state or local law, but commercial kitchen owners often require renters to have insurance to use their space as a commissary kitchen.
Most commercial kitchens require at least $2 million of coverage in general liability insurance. They might also ask you to add them to your policy as an additional insured to shield them from claims caused by your business while renting their kitchen.
Does Insurance For Commercial Kitchens Cover Food Contamination Claims?
Yes. FLIP’s commercial kitchen insurance includes product liability insurance, which protects you from the costs associated with foodborne illness and food allergy claims, such as attorney fees or medical costs.