Indiana Food Liability Insurance
Get your Indiana food business covered in 10 minutes or less!
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Indiana Food Businesses We Cover
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Indiana Food Business Insurance
In 2022, Food & Wine named Indianapolis one of the top destinations for food lovers! With its rich local food scene, the Hoosier State is home to everything from the iconic breaded pork tenderloin sandwich to homegrown popcorn in an array of creative flavors.
If you’re serving up the finest grub that Indy has to offer, you need to protect yourself with business insurance. Indiana food vendors face unique risks, but Food Liability Insurance Program (FLIP) offers a safety net so you can operate with confidence.
Accidents happen, and sometimes those accidents can be expensive. FLIP is here to help with comprehensive coverage tailored to fit food businesses like yours. Our base policy covers common claims, including third-person bodily injury and property damage.
No two businesses are the same, which is why we offer customizable options that allow you to create a plan that fits your needs.
- Cyber Liability safeguards you from expensive cybercrime claims, like data breaches and ransomware.
- The Trailer Endorsement extends coverage to your trailer when parked and detached from your vehicle.
- Protect your essential gear in the event of theft or damage with Inland Marine (Tools and Equipment) insurance.
- Add on Excess Liability to increase your limits and ensure you have the coverage you need.
FLIP also offers liquor liability insurance for Indiana caterers, concessionaires, and other small food businesses. If you sell alcohol, you’ll need the extra coverage to protect you against expensive claims resulting from intoxicated customers.
Indiana Food Insurance Coverages
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Tools and Equipment (Inland Marine) Coverage
Indiana Food Truck Laws
Licensing and fees for Indiana food trucks vary depending on where you operate. However, Indiana’s food truck laws require that all mobile food units must visit an approved, licensed commissary at least once a day for water management, food preparation, cleaning, and other essential servicing.
Before you head to the next food festival, make sure you’re protected with food truck insurance from FLIP. If a customer slips on a spilled drink or has an allergic reaction to your food, you could be held liable. We offer the coverage you need so you can keep on cooking with confidence.
Indiana Cottage Food Laws
If you’re a home-based vendor in Indiana, you need a food handler certificate from an accredited issuer. Indiana’s cottage food laws allow you to sell homemade products like baked goods, candy, and jams. Everything you sell must be produced in your primary residence and clearly labeled.
Selling homemade goodies is a great way to make some extra cash, but it does come with risks. If a customer trips on a crack in your driveway or gets food poisoning from your canned goods, FLIP’s home food business insurance can save you from paying expensive claims out-of-pocket.
Coast-to-Coast Coverage*
Whether your food business takes you to every corner of the tri-state area or you’re moving across the country, FLIP covers you anywhere in the U.S. Your policy goes where you go, so you can operate with peace of mind. Before setting up shop in a new town, make sure to learn the local laws and requirements.
*FLIP is currently unavailable in Missouri
