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Arizona Food Liability Insurance

Get liability insurance for Arizona food vendors, caterers, food truck/trailer owners, home-based food businesses, and more.


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Arizona Food Businesses We Cover

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Arizona Food Business Insurance

Arizona has a rich history with food. For at least 4,100 years, corn and squash have been grown on Arizonan land. The native mesquite tree has been used to smoke meats for generations, adding a unique flavor to many of the state’s heritage dishes. Arizona is also the birthplace of chimichangas, now a favorite menu item in Mexican restaurants across the nation.

Additionally, the state boasts a thriving food business economy, with over 300,000 restaurant and food service jobs making up 10% of the state’s total employment. In the milder spring and fall months, Arizonans enjoy flocking to food festivals such as the Flagstaff Chili Festival and Arizona Bacon Fest.

  • Arizona food business owners need liability insurance to protect them from claims related to the risks of the culinary world. That’s why Food Liability Insurance Program (FLIP) is proud to offer liability insurance to a wide variety of Arizona food businesses, including farmers market vendors and food trucks.


FLIP’s Arizona food business insurance allows you to bundle general liability, business personal property, and products-completed operations liability coverages into one convenient policy. Better yet, you can customize your policy with optional coverages such as cyber liability and tools and equipment for an additional cost.

Getting insured with FLIP is easy. Our convenient online checkout means you never have to leave your home or talk to an agent to get your policy, and you can get it in ten minutes or less. Purchase comprehensive, affordable coverage from FLIP today!

Arizona Food Coverage Details

  • General Liability
  • Products and Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented
  • Business Personal Property


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Arizona Cottage Food Laws

Unlike many other states, cottage food (home-based) businesses in Arizona don’t have a sales cap and they are permitted to sell their food to restaurants and grocery stores, making Arizona a great state to operate a home-based food business.

If you own a home-based food business in Arizona, whether you bake cakes or pet treats, it’s important to research and understand the cottage food laws in your state. Because operating a home food business in Arizona comes with its own unique risks, you will need to purchase cottage food law insurance to properly safeguard your business in the event of a claim. 

Arizona Liquor Liability Insurance

Did you know that Arizona is one of the top five highest-paying states for bartenders? The Grand Canyon State also has 12,998 active liquor licenses as of 2023, meaning many food businesses legally sell or furnish alcohol.

Including alcohol in your business activities leaves you vulnerable to a number of claims that are not covered by general liability insurance. With FLIP, you can easily purchase liquor liability insurance for your business to keep your finances shielded against expensive alcohol-related claims.

Licensed Nationwide*

Your FLIP insurance policy will extend beyond Arizona and into other states if you move your business, as long as you follow the licensing and certification requirements of the state in which you reside.

*FLIP is not currently available in Missouri.

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