Iowa Food Liability Insurance
Cover your food business in Iowa with premium, budget-friendly insurance from Food Liability Insurance Program (FLIP)!
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Iowa Food Businesses We Cover
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Iowa Food Business Insurance
While perhaps best known for its corn production, there are many large food companies in Iowa including Precision Foods, Midwest Foods, and Valentine Food Company, making it a manufacturing hub in addition to an agricultural powerhouse.
The Hawkeye State is also home to many food vendors, all of whom need insurance to protect their businesses from the financial impact of claims and lawsuits.
Food business owners can enjoy A+ rated general liability insurance in Iowa for an affordable price starting at $25.92 a month or $299 a year.
Customize your coverage to suit the unique needs of your business with optional add-ons, including:
- Cyber Liability: can cover claims stemming from cybercrimes such as ransomware, phishing, and data breaches
- Liquor Liability: responds to alcohol-related claims that general liability insurance doesn’t cover
- Trailer Endorsement: extends your general liability coverage to your food trailer when it is parked and detached from your towing vehicle
- Inland Marine (Tools and Equipment): designed to cover the cost of repairing or replacing your business equipment
- Professional Liability: protects you from claims associated with professional services you offer, such as cooking workshops or classes
- Product Liability: can cover claims related to the food products you make, sell, or distribute
Iowa Cottage Food Law
If you obtain a home bakery license, Iowa cottage food laws allow you to sell your goods at farmers markets, roadside stands, events, and directly from your own home.
All home-based food businesses in Iowa need cottage food insurance to shield their finances from claims. For example, if a customer trips over your steps while picking up an order and injures themselves or gets food poisoning from something you made, you could be held financially responsible to pay for damages.
Cottage food insurance from FLIP is there to help in times like these so that you aren’t left to foot these bills alone.
Iowa Commercial Kitchen Requirements
Like other states, Iowa has many requirements for commercial kitchens to help ensure the safety of those who use them, including home-based food businesses that do not have the room or budget for industrial-grade kitchen equipment.
If you rent a commercial kitchen space for your Iowa food business, insurance is a must-have to avoid paying out of pocket for damage to the space you rent, broken equipment, or third-party slip-and-fall injuries.
Food Truck Liability Insurance in Iowa
From music festivals to farmers markets to designated food truck parks, Iowans can enjoy a variety of cuisines from food trucks across the state.
Running a food truck comes with many liability risks, including third-party property damage and food poisoning, which can result in expensive claims.
With food truck insurance from FLIP, you’ll have the peace of mind you need to focus less on what an accident could do to your business and more on serving up delicious dishes straight from your service window.
Coast to Coast Coverage
Your business can take you far. Enjoy coverage almost anywhere in the U.S. with FLIP — just make sure you’re following state licensing and certification requirements in any state you do business in!
*FLIP is currently unavailable in Missouri
