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Food Distributor Insurance

Protect your business completely online in 10 minutes or less with food distributor insurance.


Benefits Of Food Distributor Insurance

Discover how the benefits of food distributor insurance can protect your business. 

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Customized Coverage

Create your very own food distributor insurance plan in minutes with a variety of high-quality policies, including general liability, tools and equipment coverage, and more.

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High-Quality Protection

Need to include other businesses on your policy as additional insureds? The Food Liability Insurance Program (FLIP) offers unlimited additional insured at no extra cost to your premium.

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Instant, No-Pressure Process

Getting the coverage you need with FLIP is as easy as 1, 2, 3. Our online process takes just minutes to complete and provides you with an instant quote. Enjoy 24/7 access to your policy after purchasing.

Why Do Food Distributors Need Liability Insurance?

As a food distribution business, you face a variety of liability risks, from injuries and property damage claims to damaged or stolen business property. Without insurance, liability claims can cost your business tens of thousands of dollars or more. Food distributor insurance is designed to protect your business from the cost of liability claims, allowing you to continue running your business with peace of mind.

Protect your food distribution business with up to $2 million in General and Product Liability insurance as well as $10K for Inland Marine insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

How Much Does Food Distributor Insurance Cost?

Your insurance for wholesale food distributors starts out at $25.92 per month or $299 per year. Some factors that affect the price of your policy include:

  • Gross income
  • State your operate in 
  • Additional coverage options 
  • Increased coverage limits 

What Type Of Insurance Do Food And Beverage Distributors Need?

Food and beverage distributors need General and Product Liability Insurance. This can protect from the cost of the most common types of claims which are third-party bodily injury and property damage claims. Product Liability Insurance protects from the costs related to foodborne illness claims. 

Additional coverages for food distributor insurance can include Inland Marine insurance (Tools & Equipment), Damage to Premises Rented, Additional Insureds, and Cyber Liability insurance.

Let's Talk Numbers for FLIP


Food Distributors Insurance Coverage Details

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General Liability

Aggregate Limit: $2M

General Liability can protect your business from the cost of third-party bodily injury and property damage claims that arise as a result of your business operation. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

product liability

Product Liability

Aggregate Limit: $2M

As a food industry business, you run the risk of customers getting sick from the food you serve them, whether it be from foodborne illness, unlabelled allergens, or something else. Product Liability Insurance can protect your business from the cost of these product-related claims.

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Inland Marine (Tools & Equipment)

Aggregate Limit: $10K

Also referred to as tools and equipment coverage, Inland Marine Insurance can 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

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, such as an event booth or commercial kitchen. 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

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Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)


Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


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