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Illinois Food Liability Insurance

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Illinois Food Businesses We Cover

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Illinois Food Business Insurance

Illinois is a food lover’s dream destination with iconic local faves like Chicago deep-dish pizza and pork tenderloin sandwiches as big as your head. The Prairie State ranks number one for the nation’s processed food sales, largely thanks to booming food businesses in metropolitan areas.  

If you operate a food truck or trailer, concession stand, or other small food business in Illinois, general liability insurance is essential for your business. Food Liability Insurance Program (FLIP) can protect you from paying out-of-pocket for costly claims.

Your business is unique, which is why FLIP also offers optional add-on coverages to suit your needs. 

  • Inland Marine (Tools and Equipment Coverage) covers your business-critical gear if it gets damaged or stolen.
  • The Trailer Endorsement extends coverage to your trailer while parked and detached from your vehicle.
  • For protection from data breaches and ransomware demands, Cyber Liability Insurance safeguards your business.


FLIP offers a safety net, so you can worry less about what could go wrong and focus on doing what you do best.

Illinois 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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Illinois Liquor Liability Insurance

An ice cold beer is a must-have while watching the Bulls bring home another win. Unfortunately, a few drinks can lead to some big disasters. When you serve alcohol in Illinois, liquor liability insurance can protect you from claims like bodily injury or property damage caused by an intoxicated customer.

Selling Food From Home in Illinois

All home-based food businesses in Illinois are subject to cottage food laws. Illinois’ Cottage Food Laws require proper certification, an inspection, registration fees, and appropriate testing before residents can sell food from their home kitchens.

Even when you follow the law to the letter, accidents can happen. Cottage food insurance helps protect your business when problems arise. If a customer gets food poisoning or has an allergic reaction to your products, you could be held financially responsible, but a FLIP policy can mitigate or eliminate your out-of-pocket expense.

Illinois Food Truck and Mobile Food Business Requirements

Did you know that there are nearly 300 food trucks in Chicago alone? In the Corn State, each county has its own rules and applications for mobile food businesses, including food trucks. So if you plan to set up shop at Illinois’ top food festivals, you’ll want to plan ahead! 

In most cases, you’ll also need to add the venue, event, and organizer to your policy as an additional insured. FLIP makes this easy—simply buy your policy and then add additional insureds to your policy at any time in your dashboard, at no extra cost.  

Licensed Nationwide*

FLIP offers coverage across the U.S., so your Illinois liability insurance can follow you if you move. Just make sure you have the proper licensing and certification for your new home state.

*FLIP is not currently available in Missouri.

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