Food Vendor Insurance for Festivals
Festival liability insurance from FLIP provides quick protection, affordable coverages, and a personalized policy for food vendors.
Benefits of Festival Food Vendor Insurance
Insuring your business for food festivals safeguards you from expensive claims and provides ultimate peace of mind.
Customizable Coverage
With FLIP, you can customize your policy to include all the coverages you need at your next event.
Free, Unlimited Additional Insureds
Enjoy free and unlimited additional insureds that you can add at any time via our online portal.
Instant Quote Process
In 10 minutes or less, you can purchase festival liability insurance and gain instant access to your policy information and certificates.
What Is Festival Food Vendor Insurance?
Food vendor insurance for festivals provides comprehensive liability coverage for food trucks, food trailers, and other small food businesses. It covers common claims, like third-person bodily injury or foodborne illness, personal or advertising injury, and property damage.
In addition to our base policy, FLIP offers optional coverage to further protect your business:
- Inland Marine (Tools and Equipment): covers broken or stolen gear
- Cyber Liability: covers expenses resulting from cybercrime
- Professional Liability: covers claims arising from business operations
- Excess Liability: increases policy limits to suit your business needs
Do Festival Food Vendors Need Liability Insurance?
Yes! Working as a food vendor at a festival can be risky. If a patron slips and falls by your trailer or has an allergic reaction to your food, you could get stuck with the bill.
Liability claims against your business can cost tens of thousands of dollars, but festival insurance can reduce or remove the cost of liability claims.
How Much Does Festival Insurance Cost for Food Vendors?
Liability insurance for food vendors starts at $25.92 a month or $299 per year. However, every business will require different types of coverage. Personalizing your policy can affect the cost, as well as these factors:
- Insurance limits you select
- Gross business revenues of your business
- Length of your coverage
Why FLIP for Food Vendor Insurance for Festivals
Food Festival Insurance Coverage Details:
General Liability
Aggregate Limit: $2,000,000
Protect your food vendor business from the cost of third-party bodily injury and property damage claims that arise as a result of your business operation, products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2,000,000
As a food 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 shield your food vending business from the cost of these product-related claims.
Tools and Equipment
Aggregate Limit: $10,000
Tools and Equipment insurance can secure your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers two coverage plans for Tools and Equipment based on your insurance needs.
Damage to Premises Rented
Aggregate Limit: $300,000
Cover your food vending business from the cost of claims resulting 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.
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
Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
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FAQs About Festival Vendor Insurance
Who Needs Vendor Festival Insurance?
If you sell food at music festivals, art festivals, renaissance festivals, film festivals, or other similar events, then you will need festival food vendor insurance.
Serving your food comes with risks, and insurance can protect your business from the expensive costs associated with 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, these claims 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.
Festival food vendor insurance works as a financial safety net and is designed to respond to covered third-party claims you may face.
Do I Need a Trailer Endorsement?
If your mobile food business operates out of a trailer, then you need to add the trailer endorsement to your policy. This option extends your general liability coverage to your trailer when it’s parked and detached from your vehicle.
It’s important to note that most general liability policies exclude incidents that occur in, on, or around your food trailer. FLIP’s trailer endorsement covers those exclusions so you do not have to leave part of your workstation uninsured.
What Are the Risks of Food Vending at Festivals?
Some risks that you can experience as a food festival vendor can include:
- A customer tripping over your equipment or within your business location, causing bodily harm
- While you are busy serving a customer, someone stealing your equipment
- A customer getting a foodborne illness from the baked goods you served them
- A fire or disaster destroying your equipment or business location, which could cost thousands of dollars to repair or replace
What Insurance Is Needed for Festival Food Vendors?
If you are a festival food vendor you need these insurance coverages:
- General Liability
- Product Liability
- Tools and Equipment
- Damage to Premises Rented
- Cyber Liability
These insurance coverages can protect you from the costs associated with insurance claims. Costs can include attorney fees, medical fees, property damage replacement fees, and more. Oftentimes these claims can cost thousands of dollars.
