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 has the high-quality liability insurance protection it needs.

Starting at $299/year

Policies for Renters

Create a customized liability insurance policy to protect your food business from the cost of claims that could arise from rented space at a commercial kitchen.

Policies for Owners

Protect your commercial kitchen with a customized insurance policy from the cost of claims that could arise from renting kitchen space to other food businesses.

Instant Online Process

With FLIP, getting the liability insurance your business needs is quick and easy, either through our quote-free online checkout or via our trusted partners at Insurance Canopy.

What is Commercial Kitchen Insurance?

Whether you own a commercial kitchen or simply rent out space to prepare your products, there are liability risks associated with your business. Liability claims can vary from bodily injury and property damage claims to equipment claims arising from damaged or stolen equipment and can often cost tens of thousands of dollars or more. Commercial kitchen insurance can protect your business from out-of-pocket costs arising from liability claims, allowing you to continue running your business with peace of mind.

Coverage Details

General Liability

General Liability Insurance can protect your business from third-party bodily injury and property damage claims that arise as a result of your business operation, like a customer tripping on your equipment and injuring themselves. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Aggregate Limit: $2,000,000

Product Liability

As a food industry business, you run the risk of customers getting sick from the food you serve them, whether it be from foodborne illness, unlabelled allergens, or something else. Product liability insurance can protect your business from the cost of these product-related claims.

Aggregate Limit: $2,000,000

Inland Marine

Also referred to as tools and equipment coverage, inland marine insurance can protect your business from the cost of claims regarding equipment damage and theft. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.

Aggregate Limit: $10,000

Damage to Premises Rented

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, such as an event booth or commercial kitchen. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. FLIP provides unlimited additional insureds at no extra cost.

Aggregate Limit: $300,000

Cyber Liability

Cyber Liability Insurance is an additional policy option that can protect your business from first- and third-party claims that arise from cyber security breaches. If your business collects or stores information online, on a computer, or on a mobile device, such as collecting payments with a mobile device, we strongly recommend this coverage option.

Aggregate Limit: $100,000

Coverage Details:

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 (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 optional

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at info@fliprogram.com.

Commercial Kitchen Insurance For Renters

Protect your food business in minutes with customizable, comprehensive liability insurance including $2 million in coverage for general liability, $10k in inland marine coverage, unlimited additional insureds, and more. Need more coverage? Not a problem! FLIP offers multiple additional policy options for added protection.

If you rent a commercial kitchen to prepare your product, then this comprehensive coverage option is for you. Our commercial kitchen insurance for renters includes the insurance policies you need to protect your food business from the cost of liability claims.

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Commercial Kitchen Insurance For Owners

Protect your commercial kitchen from the cost of liability claims with a customized insurance plan from our trusted partners at Insurance Canopy.

Get Covered Through Our Partners At Insurance Canopy

If you own a commercial kitchen and rent space out to other food businesses, then this coverage plan is for you. Our partners at Insurance Canopy will help you get the coverage you need to protect your business from the cost of claims.

Get a Quote

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