Insurance for Food Vendors at Festivals
For most people, a place where dozens, and sometimes hundreds, of different types of food are on display, and where food is the central theme, sounds like a dream come true. You get to experience that dream on a frequent basis. Working as a vendor at food shows and festivals can be a fun and profitable experience, but there are risks at these places that can lead to financial hardship.
Do you have enough money to pay the expenses that could come if someone claims they were injured on your premises? How would your business survive if the equipment you have collected over the years was suddenly stolen?
The good news is that coverage is available for you to decrease these risks. Our Food Liability Insurance Program (FLIP) can help you with your food festival insurance needs. Our policies provide benefits that no other company can offer you. And because many times the food festivals require you to obtain a liability policy, we offer free additional insureds to save you even more money.
Don’t let the dream of being a vendor at a food festival turn into a nightmare. FLIP has the benefits and protection you need to have peace of mind as you go about your work.
Food festival insurance protects food vendors, food trucks, and food stands from third-party claims that might arise from their participation in a food festival. Covered claims may include slip and fall accidents, illnesses caused by food products, or equipment loss.
Food festival insurance from the Food Liability Insurance Program (FLIP), provides coverage for business personal property/inland marine, general liability, product liability, and damage to premises rented coverage.
A basic general liability insurance policy from FLIP starts at $299. However, there are additional coverage options that you can add to your customize your policy. As a food vendor, food stand, or food truck, you may wish to increase your business personal property coverage amounts, add a trailer endorsement, or add professional liability coverage for example.
Yes. When you participate in a food festival, you are liable if injuries, illnesses, or damages happen due to your business operations.
For example, if a customer gets sick eating your food or if somebody trips and falls over your booth or equipment cords and is injured, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances and cause your business to close.
In addition, many food festivals and organizers require all food vendors to carry them as additional insureds. This protects them from your liability.