Food Distributor

Protect your business online in minutes with food distributor insurance starting at $299 a year, including $2 million in coverage for general liability, $10k in tools and equipment coverage, and more.

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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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Need to include other businesses on your policy as additional insureds? FLIP offers unlimited additional insured at no extra cost to your premium.

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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.

Things We Cover

Protect your food distribution business with up to $2 million in A+ rated general and product liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

Purchase a Policy

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

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.

Inland Marine

Aggregate Limit: $10,000

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.

Damage to Premises Rented

Aggregate Limit: $300,000

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.

Cyber Liability

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach. If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

See all Coverage Details

Dont Take our word for it



  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage
  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

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

Contact us

260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992


"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