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Florida Food Liability Insurance

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Florida Food Businesses We Cover

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Florida Insurance for Food Businesses

The Sunshine State is a prime location for farmers markets and food trucks to set up shop. With local delicacies like key lime pie and fresh-squeezed orange juice, it’s no wonder that Floridians and tourists flock to these local hotspots!

With business booming, it’s more important than ever for vendors to have Florida liability insurance to protect their businesses. Food Liability Insurance Program (FLIP) provides coverage for food professionals ranging from cake makers to concessionaires, making it fast and easy to get insured so they can get back to work.

Many events and festivals require you to carry business liability insurance in Florida. Our comprehensive general liability plan protects you against some of the most common claims food businesses face, including third-party injury or damage to rental property.

Plus, with FLIP, you can add unlimited Additional Insureds, making it painless for you to attend as many events and festivals as you want throughout the year!

Need extra coverage? You can increase your policy’s limits to suit your needs right in your dashboard:

  • For those who teach classes or run workshops, a professional liability add-on is a smart idea
  • If you use a trailer to serve up your goods, check out FLIP’s special food trailer insurance endorsement.


If your business sells alcohol, we also offer liquor liability commercial insurance in Florida. Even the best can make mistakes that result in serious financial consequences. For example, if a bartender serves an underage customer and that person causes an accident, this plan can help mitigate those costs.

Florida Food Insurance Coverages

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


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Food Truck Insurance in Florida

Before you hit the festival circuit in Florida, food truck insurance should be at the top of your to-do list.

Make sure your business has the protection it needs in the event of an accident, damaged equipment, or even foodborne illnesses. FLIP’s customizable coverage gives you a safety net so you can focus on doing what you do best.

Florida Cottage Food Laws

Can you sell food from home in Florida? The short answer is yes!

As long as you adhere to the state’s cottage food laws, you can sell products like honey, herbs, and homemade pasta straight from your kitchen. As long as gross sales don’t exceed $250,000 annually, operators aren’t required to obtain a permit.

While making and selling your specialties may be a dream job, the associated risks can be a nightmare. Investing in cottage food law insurance helps protect you from potential liabilities when serving food from home in Florida, including unlabeled food allergens, food poisoning, and third-party bodily injury.    

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Licensed in All 50 States

Did you buy a policy in Florida and then move to Texas? No problem. Your policy follows you wherever you go, provided you adhere to the licensing and certification requirements of the state in which you reside.

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