Concessions Insurance

Concession stand insurance can protect your business from the hefty cost of liability claims. Don’t let unforeseen events such as customer slip and falls, food poisoning, or stolen equipment ruin your financial future. Protect your business with FLIP today!

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FLIP’s concessions insurance includes A+ rated general and product liability, equipment coverage, and more to give your business the protection it needs.

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As an event-going business, you will likely need to include additional insureds on your policy. FLIP offers unlimited additional insureds to concessions businesses at no extra cost.

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With FLIP, it takes less than ten minutes to protect your concessions business. You also gain instant, 24/7 access to your policy and information through our online user portal


Do Concessions Businesses Need Insurance?

As food industry businesses, concessions businesses face a unique set of liability risks, from accidents that cause bodily injury to customers getting sick from the food you serve. Liability claims can be expensive—often costing concession businesses tens of thousands of dollars or more. Concessions insurance can protect your business from the out-of-pocket cost you may be required to pay for liability claims, allowing you to continue running your business with peace of mind.

Things we cover

Your business faces a unique set of risks that require a unique set of coverage. Our online program provides home-based business owners like you with customizable, comprehensive coverage to protect you and your business from the cost of claims.

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General Liability

Aggregate Limit: $2M

General liability can protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Product Liability

Aggregate Limit: $2M

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Inland Marine

Aggregate Limit: $10,000

Inland marine coverage can protect your business from the cost of repairing or replacing broken or stolen business equipment. FLIP’s cottage food law insurance policy offers two coverage options for inland marine that you can choose according to your business needs.

Damage to Premises Rented

Aggregate Limit: $300,000

If you rent a space to do business, like a commercial kitchen, or participate in events, you need insurance that protects you from potential damages that might occur there. What’s more, property owners and event organizers may require you to include them as an additional insured on your policy. FLIP provides unlimited additional insureds at no extra cost.

Cyber Liability

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

See all Coverage Details

Dont Take our word for it



  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage
  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

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

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

Contact us

260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992


"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