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.
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.
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.
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
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
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.
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.
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.
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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
