Florida Food Liability Insurance
Get food liability insurance in Florida that meets your business needs and protects your bottom line.
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 to have Florida liability insurance to protect your business, whether you’re a cake maker or a concessionaire. Food Liability Insurance Program (FLIP) provides coverage for a wide range of food professionals, making it fast and easy to safeguard your earnings.
Florida Food Liability Insurance Coverages
Coverage Type | What It Can Cover |
Costs related to damaged third-party property and bodily injuries | |
Expenses from damage to people’s property or injuries caused by your product | |
Claims related to how you advertise your business (e.g., copyright infringement or libel) | |
Claims regarding your products and services | |
Limited coverage for damage to a property you rent | |
Damages to/caused by your work vehicle | |
Expenses related to a cyberattack (e.g., phishing or data breach) | |
Injuries or property damage caused by your professional advice | |
Replacing/repairing stolen or damaged mobile business equipment | |
State-mandated benefits for employees who become ill or injured because of work | |
Alcohol-related third-party bodily injury and property damage claims | |
Food trailer endorsement (exclusively offered by FLIP) | Bodily injuries to others and property damage in, on, or around your food trailer |
Food Vendor Insurance in Florida
Many events and festivals require you to carry business liability insurance in Florida. FLIP’s comprehensive general liability plan is designed to protect 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 easy to attend as many events and festivals as you want throughout the year!
Food Truck Insurance in Florida
Before you hit the festival circuit in Florida, getting 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. If 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.
Licensed Nationwide
Did you buy a policy in Florida and then move to another state? No problem. Your policy follows you from coast to coast, provided you adhere to the licensing and certification requirements of the state in which you reside.
FAQs About Florida Food Liability Insurance
What Does Food Liability Insurance in Florida Cover?
A standard FLIP policy includes:
- General liability
- Product liability
- Products-completed operations
- Damage to premises rented to you
Need additional coverage? Customize your policy with add-ons like:
- Commercial auto
- Cyber liability
- Professional liability
- Tools and equipment
- Workers compensation
What Type of Insurance Does a Food Vendor Need in Florida?
Florida food businesses typically need general liability insurance to cover common claims like injuries to others caused by your business or damage to their property. General liability insurance is designed to cover costs associated with these incidents, including medical bills and legal fees if you’re named in a lawsuit.
However, not every business is the same, and most need to expand their coverage beyond general liability. For example, a food truck business needs commercial auto insurance, and an online food retailer needs cyber liability coverage in case its payment system is hacked.
How Much Does Food Liability Insurance Cost?
Florida food liability insurance starts as low as $25.92 a month. Several factors affect your premium cost, including the limits you select and the add-on coverages you need.
Do I Need Food Liability Insurance in Florida?
Yes! It may not be legally required of you, but most event organizers and commercial kitchen owners will ask you to provide proof of liability insurance prior to working with you or renting to you.
Having liability insurance also means you have a financial safety net in case of an accident. Instead of paying entirely out of pocket to cover medical bills, legal fees, property repairs, and more, you have peace of mind knowing some (or all) of those costs can be covered by your policy.