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Bodily Injury Liability

What Is Bodily Injury Liability?

Bodily injury coverage includes third-party injury or sickness resulting from your business operations. If a customer gets hurt on or around your food truck, trailer, cart, or stall, your insurance could cover the cost of their medical bills and damages.

Additionally, bodily injury extends to your food products. If a customer has an allergic reaction or gets food poisoning from a food or beverage you sold them, your insurance could help pay for their expenses. 

Bodily injury insurance is standard coverage included in the Food Liability Insurance Program (FLIP) general liability policy.

Bodily injury definition.

What Does Bodily Injury Cover?

Bodily injury insurance covers physical injuries and illnesses connected to your business. Some of the most common bodily injury claims include slip-and-falls, chipped teeth, and food poisoning. 


Here are some bodily injury examples to illustrate the kind of claims your business could face: 

  • A customer trips over an extension cord in front of your food truck. They fall and break their arm, resulting in a hefty hospital bill.
  • Your refrigerator is on the fritz and your chicken wasn’t stored at the proper temperature. The meat is served before you realize what happened and a customer gets food poisoning.
  • A prep container is cross-contaminated by a spoon that touched peanut butter. Your customer has a severe allergic reaction and requires immediate medical attention.

In each of these scenarios, FLIP’s policy can mitigate or eliminate your out-of-pocket costs if you’re held liable.

Who Needs Bodily Injury Coverage?

All businesses, regardless of size, need to have bodily injury liability insurance.

A single claim could cost thousands of dollars, which can be detrimental to most businesses. Accidents happen all the time, and they can cost you big time if you’re caught without coverage.

How Do I Get Bodily Injury Coverage From FLIP?

All you need to do is enroll in general liability insurance! FLIP includes bodily injury in our basic policy at no extra charge.

Cost of Bodily Injury Insurance From FLIP

You get bodily injury coverage included with your FLIP general liability policy for just $25.92 per month or $299/year.