CULINARY BUSINESS LIABILITY INSURANCE

Personal chefs, caterers, and food vendors who own their own businesses know what it is like to be in the trenches building their career on their own. One of the many concerns that food business owners need to consider is liability insurance.

It can be hard for small business owners to find affordable coverage that is convenient to buy and made just for people like them. That was why the food liability insurance program was created.

Our innovative online program provides the most comprehensive coverage to protect culinary entrepreneurs at an affordable price. We are a program designed to help your small business flourish by allowing you to purchase a policy that covers both your liability and your business personal property. We also offer a trailer endorsement for owners of food trailers who need protection if a third-party is injured in or around their trailer.

It is easy to purchase a FLIP 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.

Coverage Details

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 info@fliprogram.com.

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.

General Liability

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.

Aggregate Limit: $2,000,000

Product Liability

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.

Aggregate Limit: $2,000,000

Business Personal Property/Inland Marine Coverage

There are many business tools that can be utilized to help you run more efficiently. Many business owners like using a tablet and card reader to keep track of customer purchases. However, it’s always possible for your items to be stolen/damaged while on the job. Business Personal Property/Inland Marine Coverage protects your assets from these types of losses.

Aggregate Limit: $10,000

Damage to Premises Rented

It’s common to rent a commercial kitchen or commissary to handle your orders. Working with commercial-grade appliances, more than enough prep space, and large storage areas are huge benefits. There’s always a chance of damage occurring, such as a small fire and that may lead to thousands of dollars towards repair costs. Damage to Premises Rented coverage is designed to respond to these instances.

Aggregate Limit: $300,000

Cyber Liability Insurance

If your business collects or stores information online, on a computer, or on a mobile device, you could experience a cyber security breach that can cost your business tens of thousands of dollars—especially if your customer payment information is stolen. FLIP is proud to offer Cyber Liability Insurance as an additional policy to your Catering Insurance, which can cover both first- and third-party claims should you ever fall victim to cyber crime.

Aggregate Limit: $100,000

Learn more about Cyber Liability Insurance by FLIP

FAQ's

What Is Culinary Insurance?

A culinary insurance policy is designed to respond to claims related to the daily operations of your business and is designed to provide a financial safety net for your assets. 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.

How Much Does Culinary Insurance Cost?

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. We offer a base general liability in our culinary insurance policy starting at $299/year.

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 from 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 for 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.

WHY DO I NEED A TRAILER ENDORSEMENT?

Most general liability policies exclude incidents that occur in, on, or around your food trailer. A Trailer Endorsement covers those exclusions so you do not have to leave part of your work station uninsured. It is important to note that the Trailer Endorsement only covers liability incidents in, on, or around the trailer when the trailer is detached from your towing vehicle and parked on a rented premise. Make sure your vehicle’s auto policy covers the trailer when it is attached to a vehicle; some auto policies may exclude trailers that have license plates or vehicle identification numbers (VIN).

Why FLIP for Vendor Insurance?

  • A+ Rated Insurance Carrier
  • Affordable Premium
  • Licensed in All 50 States
  • Free Additional Insureds
  • Purchase Instantly Online - No Long Quote Process

Program Highlights

  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage

Program Benefits

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

What is FLIP?

FLIP offers high quality, affordable liability insurance to food vendors across the United States. Our easy access online program shortens the time-consuming, expensive underwriting processes common with other insurance providers, allowing us to provide quality insurance policies at reduced prices compared to more traditional processing methods. In addition, the online presence gives food vendors more control over their policies at their convenience.

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