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Colorado Food Businesses We Cover
Colorado Food Business Insurance
With local delicacies like Colorado Lamb, the Centennial State has plenty of great grub. The state’s rich agriculture offers Palisade peaches, Rocky Ford cantaloupes, and Olathe sweet corn, not to mention fresh-caught trout and lean bison.
If your food truck, catering company, or other small food business serves up eats in Colorado, general liability insurance is an important investment. Food Liability Insurance Program (FLIP) offers comprehensive coverage to protect you from the unexpected expenses you may encounter.
Whether you’re traveling the food festival circuit in need of concession trailer insurance or want to be protected with commercial kitchen insurance to bulk-bake bread, FLIP safeguards you from the costly speed bumps you may hit along the way.
General liability insurance for Colorado food businesses covers common claims, like third-person bodily injury or property damage. In addition to our base policy, FLIP also offers optional coverage, including:
- Cyber Liability Insurance: Mitigates or eliminates costs connected to cybercrime
- Liquor Liability Insurance: Covers claims associated with serving or providing alcohol to customers
- Trailer Endorsement: Extends coverage to your food trailer while parked and detached from your vehicle
You can also manage your policy 24/7 with FLIP’s convenient online user dashboard. Add additional insureds for free, view your certificate of insurance, and file a claim, all from the comfort of your couch.
Colorado Food Insurance Coverages
- General Liability
- Products and Completed Operations
- Personal and Advertising Injury
- Damage to Premises Rented
- Tools and Equipment (Inland Marine)
Selling Food From Home in Colorado
Colorado cottage law permits residents to produce and sell certain foods from their home kitchens, including honey, canned fruits, and freeze-dried produce. Producers must complete a food safety training course and all products require clear labels. The state also offers free pH testing for pickled fruits and vegetables to ensure they’re safe.
Even if you follow all of the best practices for selling your homemade goodies, accidents can still happen. If a customer gets food poisoning or has an allergic reaction, you could be held financially responsible. Cottage food insurance safeguards you from costly claims that could otherwise bankrupt your small business.
Colorado Food Truck Insurance
From Denver to Durango, the Colorado food truck scene is booming. You need general liability insurance to protect your business. For example, if a customer trips over your hitch or gets food poisoning from your products, you could be liable for their medical bills. FLIP can help cover costly claims like these. Get more information about:
Coast to Coast Coverage
Do you want to take your Colorado food truck to the Utah State Fair? FLIP has you covered! Your policy follows you across the country*, so you always have the coverage you need. Just make sure you’re familiar with the local licensing and certification requirements.
*FLIP is currently unavailable in Missouri
