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
Food Trailer Insurance?

lude 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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Why Do I Need
Food Trailer Insurance?

Without insurance, if your business is involved in an accident, you may be held liable to cover hefty expenses, the cost of which could be financially crippling. As a food service business, it is vitally important to have both general and product liability insurance in case an individual is injured or becomes sick either from your business operations or from consuming your product.

Additionally, many locations and events where you might want do business require vendors to have insurance, so it makes sense to get yourself covered!

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How Much is
Food Trailer Insurance?

The base rate for Food Truck and Food Trailer Insurance is $299 a year for up to $2 million in coverage for general and product liability and up to $10K in business personal property coverage. For an additional price, you may choose to get more protection, such as cyber liability coverage which can protect your business from expenses related to cyber security breaches.

For food trailers, if you park your food trailer on a premises detached from your towing vehicle, you may need to purchase a food trailer endorsement—which extends coverage to your trailer while it is not attached to your vehicle—the price of which is $150.

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What is an Additional Insured
for Food Trailers?

As a business that serves customers in many different locations, you may be required to include additional insured into your policy. In fact, many events and locations require vendors to include them as an additional insured before being able to perform business operations. Including a venue or event as an additional insured extends your insurance coverage to them, preventing them from being held liable should an accident occur.

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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