Concession Stand Insurance
Get customizable insurance for concession stands in 10 minutes or less from Food Liability Insurance Program (FLIP)!
Benefits of Concession Insurance
Food Liability Insurance Program (FLIP) tailors coverage for concessionaires, ensuring you get the protection you need for a budget-friendly price.
Comprehensive Coverage
FLIP’s concessionaire insurance includes general liability, product liability, and personal and advertising injury coverage to give your business the complete protection it needs.
Free and Unlimited Additional Insureds
Many event organizers and venue managers require you to include them as additional insureds on your policy. With FLIP, you can add unlimited additional insureds for free online anytime, anywhere.
Easy, No-Pressure Process
With FLIP, it takes less than 10 minutes to insure your concession stand business. You also get instant, 24/7 access to your policy and information through our online user portal.
Do Concessionaires Need Insurance?
Yes. Concession stands face a variety of liability risks, from accidents causing bodily injury to customers getting sick from the food you serve. Plus, many event or venue managers require proof of food vendor insurance before they let you sell food on their property.
Liability claims can be expensive, often costing tens of thousands of dollars or more. Concession stand insurance protects your business from paying out-of-pocket for liability claims. It’s the secret ingredient that gives you an edge over your competition.
How Much Does Concessionaire Insurance Cost?
Insurance for concession stands starts at $25.92 per month or $299 per year. This includes the following essential coverages for your business:
While the starting cost is $25.92, your premium is affected by a few factors:
- Gross business income
- Optional coverages added to your policy (such as tools and equipment insurance)
- Other policies you bundle with your concessionaire insurance (such as workers compensation insurance)
- The state(s) you operate in
Does Concession Insurance Cover My Food Trailer?
To protect your trailer, you need the food trailer endorsement. This add-on extends your general liability coverage to your food trailer when parked and detached from your vehicle.
FLIP is the only insurance provider offering this type of coverage. While it isn’t included in your base concession stand insurance policy, you can add it during checkout for an additional $12.50 per month.
If you want to add this coverage for your concession trailer after you’ve purchased a base policy, you can do this easily via your online account. Please note that this endorsement is not commercial auto insurance.
Why FLIP for Food Concession Insurance?
Concession Stand Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
This coverage shields you from paying for claims related to third-party bodily injury and property damage. If someone trips and hurts themselves around your stand or you accidentally damage a venue’s property with your concessions cart, this insurance can cover the cost of medical bills, repairs, or replacements.
Product Liability
Aggregate Limit: $2,000,000
Product liability insurance is designed to protect you from paying out of pocket for claims involving your food or beverage products, such as foodborne illnesses or unlabelled allergens.
Products-Completed Operations
Aggregate Limit: $2,000,000
Products-completed operations insurance covers claims resulting from your products and services. If you’re found liable for a customer getting food poisoning or a venue manager sues you for failing to fulfill your contract, this coverage can pay for the medical bills or legal fees.
Personal and Advertising Injury
Aggregate Limit: $1,000,000
If you make a mistake while advertising your business and someone sues you for false advertisement, slander, or defamation, this coverage can pay for your legal defense and settlement costs.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space like a commercial kitchen or participate in events, you need financial protection from the damages that could occur there. This coverage provides a financial safety net from out-of-pocket costs related to rented property damage. After the first seven days, it only covers fire damage.
Why Concessionaires Choose FLIP
Check out what other people say about their experience with us from over 300+ available reviews.
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
Medical Expense Limit
$5,000
FAQs About Concession Insurance
How to File a Concessionaire Insurance Claim
- Log in to your FLIP online user account
- Go to “Manage Policies”
- Select “File a Claim”
- Fill out the required information
- Submit your claim
How Can I Customize My Insurance?
You can customize your policy to suit your business needs by adding optional coverages, including:
- Tools and Equipment (Inland Marine): Designed to cover damaged or stolen business equipment you take with you from one location to another
- Cost: Starts at $8.25/month
- Food Trailer Endorsement (exclusively offered by FLIP): Extends your general liability insurance to cover your concessions trailer
- Cost: $12.50/month
- Cyber Liability: Can cover the cost associated with data breaches, phishing schemes, or other cyberattacks
- Cost: $8.25/month
- Professional Liability: Designed to cover claims associated with your professional services, such as cooking classes
- Cost: $10.42/month
- Workers Compensation: Provides wage replacement and medical benefits to employees who experience a work-related injury or illness, as required by your state
- Cost: Varies depending on your state, business type, number of employees, and other factors
What Insurance Do Concession Vendors Need?
All concession vendors need these coverages:
- General liability
- Product liability
- Personal and advertising injury
- Products-completed operations
- Damage to premises rented
These are all included in FLIP’s base concessions insurance policy. However, you may need other add-on coverages as well, such as a food trailer endorsement or tools and equipment, to fully cover your business from claims you could face.
