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Commercial Kitchen Insurance

FLIP offers commercial kitchen insurance coverage for vendors and owners. Whether you are renting out your commercial-grade kitchen or preparing food for your next event, make sure your business is protected with commercial kitchen insurance.

Owners

This is best for me if I…

  • Own a commercial-grade kitchen
  • Rent my commercial kitchen space to food vendors
  • Do need kitchen equipment coverage
  • Do need building coverage
  •  
Vendors

This is best for me if I…

  • Work as a food truck owner, baker, independent chef, or a food-related career
  • Prepare large amounts of food
  • Do need general liability coverage
  • Do need damage to premises rented coverage
Benefits of FLIP Restaurant Insurance - Food Picture

Commercial Kitchen Insurance for Owners

You are an integral part in providing food entrepreneurs a space to make their culinary creations in huge batches. Whether your clients need your commercial kitchen space for catering a wedding, graduation, or corporate event, your space makes their culinary dreams come to life.

Since you are opening your commercial kitchen space to a variety of food entrepreneurs, it is important that you are prepared for the risks within the industry.

Property damage is one of the risks you face as a commercial kitchen owner. Let’s say your client was negligent and accidentally set a section of your kitchen on fire. Are you able to foot the bill and take on the loss of business?

As an owner of a commercial kitchen, it is important to protect yourself with commercial kitchen insurance from the potential risks you face.

Risks Commercial Kitchen Owners Face

  • Fire in the kitchen
  • A patron slips and falls on your property
  • Kitchen pipes freeze and break
  • Backup of sewage and drain that could contaminate products
  • Equipment that gets damaged due to the negligence of a tenant*
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We can also help by providing insurance to your commercial kitchen clients who can name you as an additional insured for free, which can further reduce your risk. Let us insure your commercial kitchen and your clients today!

PROGRAM HIGHLIGHTS

"A Rated" Carrier, Monthly Payments, Coverage in all 50 states

General Liability

General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury. For example, if a client were to trip and fall in your commercial kitchen and injured themselves.

Products and Completed Operations Coverage

Covers bodily injury and property damage claims that result from the products you use to perform your services.

Personal and Advertising Injury Coverage

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Business Personal Property Coverage

Covers tangible items, such as, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy.

Damage to Premises Rented Coverage

Property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.

Kitchen Equipment Coverage

Covers equipment, inventory, and other business assets

Building Coverage

Covers damages to your commercial kitchen and contents due to a covered cause of loss, such as a fire

Loss of Business Income

Covers loss of income due to the suspension of your commercial kitchen operations during its repair period.

Workers Compensation

Covers an employee due to a job-related injury (or death) resulting from a work-related accident.

Excess or Umbrella Coverage

This provides additional coverage above your general liability limits. For example, if your general liability provides a $1,000,000 limit and a contract requires you to have $2 million you can get the additional $1 million through an excess liability policy.

 
Benefits of FLIP Restaurant Insurance - Food Picture

COMMERCIAL KITCHEN INSURANCE FOR FOOD VENDORS

Sure, you love to cook at home. It’s relaxing and gives you a chance to create food for yourself and possibly a few family members or close friends. Your commercial kitchen space at work, though, is different. It was made for cooking huge batches of food for those customers who love your food.

Because you’re selling food, it is important that you prepare for the risks that can come with your profession.

Lawsuits are one risk you face, and they can be expensive. Say a customer had an allergic reaction to your food and sued you. You probably already know that you can be held liable for the medical costs, but did you know that you may have to pay other costs, such as compensating the person for any time they had to miss work?

Commercial kitchen liability coverage can help protect you from these risks. Our Food Liability Insurance Program (FLIP) gives you the protection you need to make cooking at your work kitchen just as relaxing as making food at home.

FLIP offers policies for many different vendors in the food industry. Some of the others include:

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PROGRAM HIGHLIGHTS

"A Rated" Carrier, No Quote Process, Coverage in all 50 states

General Liability

General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury. For example, if a client were to trip and fall in your commercial kitchen and injured themselves.

Products and Completed Operations Coverage

Covers bodily injury and property damage claims that result from the products you use to perform your services.

Personal and Advertising Injury Coverage

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Business Personal Property Coverage

Covers tangible items, such as equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy.

Damage to Premises Rented Coverage

Property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.

 

Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN