When did you first decide to form a food business? Was it when you shared your favorite recipe and s... MORE
Policies for Restaurants, Franchises, Fine Dining, and Fast Food
FLIP is a leader in the food industry sector. Our team has the experience to understand the sophisticated needs of today's restaurant owners. We can analyze your business needs and develop a plan to provide you with comprehensive restaurant insurance. FLIP provides you with the peace of mind that can cover unplanned lawsuit won't threaten the viability of your business.
As a restaurant owner, you face multiple risks that are specific to the food industry. FLIP has helped thousands of food businesses prepare for potential losses, such as property damage, general liability lawsuits, and loss of business income.
FLIP can also protect your restaurant business with additional coverage options depending upon your specific business needs. We can structure a plan that includes general liability, liquor liability, commercial auto, or excess liability insurance and more. See below for additional coverages provided:
Restaurant Policies For:
- Fine Dining
- Fast Food
- Drive Through
General & Product Liability
General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury. For example, if a customer were to trip and fall in your restaurant and injured themselves.
Product liability insurance covers you if your food products were to make someone ill. For example, if you undercooked and served food that sent a customer to the hospital.
Liquor Liability Insurance
If your restaurant manufactures, distributes, sells, or serves alcoholic beverages, you could be liable if you serve alcohol to a patron who then injures someone or causes property damage. For example, one of your servers provides alcohol to an intoxicated customer who then drives and causes an accident.
Excess Liability Insurance
This provides additional coverage above your general liability limits. For example, if your general liability provides a $1,000,000 limit and a contract requires you to have $4 million you can get the additional $3 million through an excess liability policy.
Employment Practices Liability Insurance (EPLI)
This liability coverage can protect you from lawsuits related to wrongful acts arising from the employment process such as wrongful termination, discrimination, sexual harassment, and retaliation in addition to other types of inappropriate workplace conduct.
Covers damages to your restaurant building and contents due to a covered cause of loss, such as a fire
Inventory insurance protects you against loss such as food spoilage. For example, if fire damage to your refrigeration unit causes your food to spoil this coverage could cover the loss.
Commercial Auto Insurance
If you use a vehicle for your business operations, it may not be covered under your personal automobile insurance. Commercial auto insurance provides coverage while using the vehicle in your business operations.
Covers an employee due to a job-related injury (or death) resulting from a work-related accident or occupational disease.
Franchisee Certificate Compliance
The franchisor agreement outlines specific coverages that need to be maintained by the franchisee, including additional insured status. The Certificate Compliance service assists in tracking franchisor requirements and identifying franchisee coverage deficiencies.
To get started, request a quote by filling out this form.
FLIP Is Your Industry Resource
FLIP provides general liability insurance for an extensive variety of food businesses, including food trucks, caterers, bakers, and vendors. When you take your food business to the next level, you can still count on the same trusted insurance source. Obtain insurance coverage from "A+ rated" carriers in all 50 states.
Responsive Customer Service
Licensed agents are available to discuss your restaurant insurance needs. Our team can help you cover gaps in your insurance policies by analyzing your potential risks and find you the right policies that match your budget.
As one of the nation's top providers of insurance to thousands of small food businesses, we've built strong relationships with carriers so we are able to provide you with the best prices available in today's market for your insurance premiums. You can count on us to negotiate robust coverage at prices that won't hurt your bottom line.
Apply for restaurant insurance with our easy 3-step process
- Click the "download application" button
- Fill out the application
- Email your application to Food Liability Insurance Program