General Liability Insurance
Secure your food and beverage business from costly claims with high-quality general liability insurance. Learn more about what Food Liability Insurance Program (FLIP) brings to the table with our general liability policy.
What Is General Liability Insurance?
General liability insurance is one of the most common coverages for businesses of all sizes.
It can protect you from common third-party claims, like bodily injury and property damage, helping absorb the cost of legal fees, medical bills, and other expenses you may be responsible for paying.
Who Needs General Liability Insurance?
Anyone who is operating a business needs general liability insurance. From sole proprietors to multinational corporations, every business needs general liability coverage to safeguard their assets.
Accidents can result in costly claims, but insurance can help mitigate the financial loss. FLIP offers essential general liability coverage for all of these business types:
Bakers
Bartenders and Alcohol-Serving Businesses
Chefs and Caterers
Food and Beverage Vendors
Food Distributors
Food Manufacturers
Home-Based Food and Beverage Businesses
Mobile Food and Beverage Businesses
Don’t see your food business or industry here? Find out more about the types of businesses FLIP insures.
How Does General Liability Insurance Work?
General liability is designed to protect you from unexpected expenses arising from third-party claims of bodily injury or property damage caused by your business activities.
If somebody files a claim against your company, your insurance can help pay for medical bills, court costs, and judgments.
If a claim arises, your insurance can protect you so that your business does not have to pay out of pocket.
What Information Will I Need About My Business to Get a Quote?
Completing our online application is simple. We will need:
- Business name
- Owner name and contact information
- Address
- Business description
- Gross annual sales
- Coverages requested
How Long Does It Take?
The online quote and application process takes about 10 minutes. If you’re eligible, you can finalize your policy and receive documentation as soon as the same day.
Getting coverage can take a bit longer if you require a customized quote, but our team is ready to assist you and get you covered ASAP.
What Are Common General Liability Claims?
The most common type of general liability claim is a slip-and-fall. Other types of general liability claims food businesses face include food poisoning, allergic reactions, and chipped teeth.
If you are legally responsible for bodily injury or property damage to a third party, your FLIP general liability policy would most likely respond to and cover the claim.
Here are a few examples to illustrate how general liability insurance can protect your business:
A customer gets food poisoning after eating homemade blueberry muffins from your farmers market stand. Your policy could cover their medical bills and other related expenses.
You have a grease fire while working at a fair. Food truck general liability insurance could cover the cost of property damage to the venue.
At a festival, a customer slips on some spilled food and falls into your truck, spraining their ankle in the fall. Now they’re suing you. Your general liability coverage can help pay for the legal fees.
What Does General Liability Insurance Cover?
General liability insurance covers a wide range of incidents that might occur while operating your business. This can include bodily injury, property damage, legal fees, medical payments, and accusations of libel and slander.
Because all insurance has limitations, exclusions, and conditions, it is very important to read your policy for your specific coverage.
What Does General Liability Insurance Not Cover?
A basic general liability policy is limited to third-party injuries and property damage, so it will not cover injuries to the policyholder, their employees, or personal property. It also doesn’t cover product recalls or commercial auto liability.
If you require coverage beyond general liability, you will need to explore add-ons that extend your coverage. Some options include:
- Food Trailer Insurance
- Workers’ Compensation Insurance
- Liquor Liability Insurance
- Inland Marine (Tools and Equipment Coverage)
For a list of all exclusions and limitations, please refer to your policy for more details.
How Much Does General Liability Insurance Cost?
FLIP’s general liability insurance for small businesses starts at $25.92 a month or $299 per year.
This price can increase depending on what type of coverage you choose and how much your business makes per year.
Why FLIP for General Liability Insurance?
As the #1 choice in the food and beverage industry, we offer affordable, comprehensive coverage tailored to small food business owners like you.
Food liability insurance can feel complicated, but we’re here to make it as simple and painless as possible so you can focus more on your business and less on what could go wrong.
Need to add a venue to your policy? No problem, we offer free and unlimited Additional Insureds.
Need more coverage? We can guide you through the process, from understanding liquor liability to tools and equipment coverage.
In 10 minutes or less, you can get your free and instant quote, select your coverage, and buy a policy, when and where it’s convenient.
Plus, your policy features a handy online dashboard where you can view your Certificate of Insurance (COI), make changes, or submit a claim.
FLIP provides tailored general liability insurance for food trucks and trailers, vendors, caterers, and many other food and beverage pros, protecting you from the speed bumps you may hit along the way.
FLIP Customer Testimonials
Here's what other people have to say about their experience from over 350+ available reviews.
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
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Written by: Chris Van Leeuwen
Chris Van Leeuwen is the VP of Agency Development for Food Liability Insurance Program (FLIP). He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to food and beverage professionals across the country who are looking to navigate business liability insurance
Reviewed by: Kyle Jude
Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.
