Food Trailer
insurance

Quality ingredients are the center of your business. Insuring businesses with quality insurance is ours. Your needs as a food business owner are important to us and that is all we focus on.

COVERAGE
DETAILS

With General and Product Liability, Inland Marine, and more, FLIP provides coverage for all your food trailer needs.

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ADDITIONAL
INSUREDS

Have an event coming up? FLIP offers free unlimited additional insureds!

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NO QUOTE
PROCESS

Build your policy unique to your business, check out, and download your insurance certificate in minutes. It’s that easy!

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How does Insurance Work?

At FLIP, we hope to be a part of a movement to buy food from local farmers, gardeners, and chefs. Product liability insurance is essential to the financial security of farmers market vendors in the 21st century. Often, though, farmers market vendors have trouble finding insurance tailored to their needs at affordable prices.

Things we cover

Food Liability Insurance Program (FLIP) was started with the purpose of serving food service professionals and their business needs. Your specific, food-related business needs are important to us and we are here to help you.

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General Liability

Aggregate Limit: $2M

We live in a litigious society and someone could pursue legal action against you. Legal fees can add up to thousands of dollars and it can be a financial strain to deal with. General liability insurance responds to injury and damage that you are legally liable to pay for.

Product Liability

Aggregate Limit: $2M

Food poisoning is every food business owner’s nightmare and you follow best practices in order to prevent it from happening. Sometimes outside variables take over and lead to trouble. A customer could purchase food from you and get sick. Product liability coverage responds to defects that cause injury.

Inland Marine Coverage

Aggregate Limit: $10,000

Running a business requires a lot of expensive appliances and gadgets. These items are at risk of being stolen/damaged and that can be a financial headache. Business personal property/inland marine coverage is designed to protect your movable property and give you a safety net.

Damage to Premises Rented

Aggregate Limit: $300,000

Food preparation is essential and sometimes you need to rent a commercial kitchen to fill orders. Damage to premises rented covers the space you rent and can respond to damage sustained, such as a fire.

Workers Compensation Insurance

Aggregate Limit: $300,000

As a food truck owner, you probably have hired employees to help you on the truck. Through our trusted partner, Insurance Canopy, you can purchase workers compensation insurance.

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Dont Take our word for it

 

FAQs about Food Liability Insurance

Here's a breakdown of the "ingredients" of our policy

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What Is
Farmers Market Insurance?

Farmers market insurance protects food vendors, farmers, and food stands from third-party claims that might arise from their participation in a farmers market. Covered claims may include slip and fall accidents, illnesses caused by food products, or equipment loss.

Farmers market 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.

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What Does Food
Trailer Insurance Cover?

The food trailer endorsement only covers liability incidents when the trailer is detached and parked. If you are towing or transporting the food trailer, make sure your vehicle's auto policy covers the trailer. Personal auto insurance may not cover your food trailer if you are using your personal automobile for business purposes. Also, some auto policies may exclude trailers that have license plates or vehicle identification numbers (VIN).

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How Much is
Farmers Market Insurance?

A basic farmers market insurance policy from FLIP starts at $299. However, there are additional coverage options that you can add to customize your policy. As a farmers market vendor, you may wish to increase your business personal property coverage amounts or add professional liability coverage for example. You may also need to endorsements such a food trailer endorsement if you haul or sell your products from a trailer.

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Do I Need
Farmers Market Insurance?

Yes

When you operate at a farmers market, 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 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 farmers markets and organizers require all food vendors and farmers to carry them as additional insureds to protect them from your liability.

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What is an Additional Insured
for Farmers Market Vendors?

An additional insured as a person or organization not automatically included as an insured under an insurance policy and who is included or added as an insured under the policy at the request of the named insured. For example, one or more of the farmers markets that you are a vendor at could request to be listed as an additional insured on your policy. This will help protect them in case of an incident regarding your liability at their event. With a FLIP policy, you receive free, unlimited additional insureds. You can add as many as you need in minutes through your online portal.

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Real Examples of
Farmers Market Claims

  • A customer alleged he got sick from insured’s food.
  • An insured setting up for an event when it was canceled due to a tornado, resulting in loss of food and income.
  • Employee lost control of a cart and it ran into a parked car resulting in damage.
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PROGRAM HIGHLIGHTS

  • 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 info@fliprogram.com.

Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"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