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 quote-free online process takes minutes to complete and provides instant, 24/7 access to your policy.

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

1
YEARS EXPERIENCE
25000
BUSINESSES TRUST FLIP
25
INDUSTRIES COVERED

Food Distributors Insurance Coverage Details

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

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

group of food distributors