Culinary Business Liability Insurance

Protect your business with personalized, professional, and protective culinary insurance.

Benefits Of Culinary Insurance

Discover how the benefits of cooking insurance can protect your business. 

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Free & Unlimited Additional Insureds

Extend your insurance coverage to your events by including them as an additional insured on your policy. The Food Liability Insurance Program (FLIP) offers unlimited additional insureds free of cost.

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Fast & Secure Online Process

Get the coverage you need in minutes with FLIP’s quote-free, online checkout and gain instant, 24/7 access to your policy through your FLIP user account.

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Trailer Endorsement

Extend your General Liability insurance to your trailer. A Trailer Endorsement covers liability incidents in, on, or around the trailer when the trailer is detached from your towing vehicle and parked on a rented premise.

What Is Culinary Insurance?

A culinary insurance policy is designed to provide a financial safety net when it comes to the cost of claims related to the daily operations of your business. Covered claims may include slip and fall accidents, illnesses caused by your food product, or equipment loss. Our policy offers coverage for business personal property/inland marine, general liability, product liability, and damage to premises rented coverage.

Personal chefs, caterers, and food vendors who own their own businesses know what it is like to be in the trenches building their careers on their own. One of the many concerns that food business owners need to consider is Liability Insurance. It is easy to purchase a FLIP culinary insurance policy online, but if you have any questions, there are licensed insurance agents waiting to talk to you about how FLIP can benefit your culinary business.

How Much Does Cooking Insurance Cost?

We offer a base General Liability in our culinary insurance policy starting at $299/year or $25.92/month. Every business will require different types of coverage. A few factors that affect the price of a culinary insurance policy are gross sales, the amount of business property coverage you want to have, increasing limits, and professional liability coverage.

Do I Need Culinary Insurance?

Yes. Working as a business owner means taking on a lot of responsibility and there are risks involved with that. You could face a variety of third-party claims, such as a customer experiencing an allergic reaction to food purchased from you or a customer sustaining an injury at your station. In some severe cases, it can lead to legal action and defense costs can add up fast. This kind of financial strain can be detrimental to many small business owners. Culinary insurance works as a financial safety net and is designed to respond to covered third-party claims you may face.

Let’s Talk Numbers For Culinary Insurance

1
YEARS EXPERIENCE
25000
BUSINESSES TRUST FLIP
25
INDUSTRIES COVERED

Cooking Insurance Coverage Details

General Liability

Aggregate Limit: $2M

Injury and property damage are risks every business owner faces. Even with a comprehensive risk management plan, there’s still a chance that a mishap occurs while operating and it can lead to legal action. General liability responds to claims you are legally liable for.

product liability

Product Liability

Aggregate Limit: $2M

You love to make food and serve your clients. It’s one of the many reasons you started this business! There’s always a possibility of a customer experiencing a food-borne illness from food purchased from you. Product Liability Insurance for your business can help protect you from this risk.

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Inland Marine (Tools & Equipment)

Aggregate Limit: $10K

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.

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Damage to Premises Rented

Aggregate Limit: $300K

Protect the places you rent, such as commercial kitchens and event spaces. 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.

What Our Customers Are Saying

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
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We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
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Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
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So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
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Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
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Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
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Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
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I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
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FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
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Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
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It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
Breadista
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Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
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It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

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

chef prepping food