Commercial Kitchen Insurance
Dish up some savings with a personalized commercial kitchen insurance policy, designed to help you be successful.
Who Is Covered by Commercial Kitchen Insurance?
Commercial Kitchen Insurance For Renters
If you rent a commercial kitchen to prepare your cottage food law product, prepare food for your food truck, or manufacture your food, then this comprehensive coverage option is for you. Our commercial kitchen insurance for renters includes the insurance coverages you need to protect your food business from the cost of liability claims. You can also add the commercial kitchen owner as an additional insured free of cost.
Commercial Kitchen Insurance For Owners
If you own a commercial kitchen and rent space out to other food businesses, you’re in luck! You can get the coverage you need at a price that fits your budget. Through our partners at Insurance Canopy, you can protect your commercial kitchen from the cost of property and liability claims. Costs can include attorney fees, medical costs, and other unexpected fees.
What Is Commercial Kitchen Insurance?
As a renter, commercial kitchen insurance is there to protect your business from the unexpected out-of-pocket costs of property damage and liability claims that can come from renting a commercial kitchen. Insurance allows you to continue running your business with peace of mind.
When you have commercial kitchen insurance, you are more likely to be accepted by a commercial kitchen owner. You show that you are a responsible business owner who takes your craft seriously. The Food Liability Insurance Program (FLIP) also offers free & unlimited additional insureds which is often required by commercial kitchen owners.
As A Cottage Food Law Business That Rents A Commercial Kitchen, What Risks Would Be Covered?
Cottage food law businesses that rent a commercial kitchen have a unique set of risks and when you insure with FLIP, we want to make sure that you are covered. Covered risks include:
- Damage to property that is not your own (Damage to Premises Rented)
- Food poisoning (Product Liability)
- Damaged equipment (Inland Marine Insurance)
- Customer injuries (Third-party bodily injury)
- A slip and fall accident where the customer sues both the renter and the kitchen owner. (Additional Insured)
How Much Does Commercial Kitchen Insurance Cost?
For commercial kitchen renters, the cost of commercial kitchen insurance starts at $25.92 per month or $299 per year.
Your commercial kitchen policy can be crafted to fit your business needs. By increasing your insurance limits and adding additional coverages, you may see an increase in price.
Let's Talk About Numbers for Commercial Kitchen Insurance
Commercial Kitchen Insurance Coverage Details
General Liability
Aggregate Limit: $2M
Protect your cottage food law business from third-party bodily injury and property damage claims that may arise as a result of your business operation. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2M
Product Liability Insurance can protect your business from the cost –attorney fees, medical fees, etc– of product-related claims. One of the more likely risks you could experience is food poisoning or an unlabeled food allergen that makes a customer sick.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Also referred to as Tools and Equipment coverage, Inland Marine Insurance protects you from the cost of replacing or repairing damaged or stolen equipment. FLIP also offers increased coverage limits for Inland Marine Insurance based on your business’s insurance needs.
Damage to Premises Rented
Aggregate Limit: $300K
If you rent a commercial kitchen, you need this coverage. It can protect you from the costs associated with damages done to the rented space. Certain covered claims can include causing a fire but not broken equipment.
For rental terms fewer than 7 days, a Damage to Rented premises provision will have few limits on perils (fire, water damage, glass breakage, etc.) It is standard practice for General Liability policies to have greater restrictions on coverage for property damage caused by tenants leasing the space for more than seven days. The only peril covered beyond seven days is fire.
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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
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
$5,000/$10,000
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
$250
Have Questions? We're On It.
Yes. As a renter, general liability insurance cannot protect you from accidents you may cause while renting a commercial kitchen. In order to avoid the costly expense of claims, it’s important to protect your business with commercial kitchen insurance that includes other necessary insurance coverages like Damage to Premises Rented, Product Liability, Inland Marine, and more. It is important to note that some states make you prepare your food in kitchens and you must have commercial kitchen insurance in order to do so.
Yes. An additional insured is any business, landlord, or event manager that requires you to extend your insurance protection to them. So in the case of a commercial kitchen, the kitchen owner may ask you to include them as an additional insured on your insurance policy.
FLIP offers business owners free & unlimited additional insureds and you can add an additional insured to your policy at any time through your user dashboard.
No, however, it is often required by commercial kitchen owners. The same goes for general liability insurance. It is not required but it will make your life a lot easier and protect your business legally and financially.
Yes. You will need to include Inland Marine insurance –also known as Tools and Equipment insurance– on your insurance policy in order to protect your kitchen equipment.
An inland marine policy on your commercial kitchen insurance can help cover you from a kitchen fire. It can protect your equipment, but cannot cover lost income.
Yes. Our commercial kitchen insurance includes Product Liability insurance which protects you from the costs associated with food-borne illness and food allergy claims. Claim costs can include attorney fees or medical fees.
To make your policy crafted exactly for your unique business needs, we offer additional coverage options. These coverage options include:
- Higher limits of Inland Marine Insurance
- Trailer Endorsements
- Additional Insureds
- Cyber Liability Insurance
