Maine Food Liability Insurance
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Maine Food Businesses We Cover
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Food Business Insurance in Maine
Foodies flock to Maine for the fresh-caught lobster, but the state has plenty to offer beyond the state crustacean. The Pine Tree State produces over 500,000 gallons of maple syrup a year and features a bountiful wild blueberry crop. Of course, you can’t skip the iconic red snapper hot dog, washed down with an ice-cold Moxie soft drink!
With such a rich and delicious food scene, the Maine food industry is booming. If you’re a food vendor, baker, or caterer, you need general liability insurance. Maine food pros face unique risks that can cost big bucks without the right coverage.
Food Liability Insurance Program (FLIP) offers comprehensive protection to safeguard you from expensive claims, so you can serve up the best grub in town with peace of mind. If a customer slips and falls near your food truck or gets food poisoning from your burgers, you could be held responsible—but we’re here to help!
Need more coverage? No problem! You can customize your plan with exactly the protection you need. Here are just a few of the extras we offer:
- Tools and Equipment Insurance (Inland Marine) covers your business-critical gear if it’s damaged or stolen.
- In the event of a cybercrime, like a data breach or ransomware, Cyber Liability Insurance can help cover first- and third-person expenses.
- The Trailer Endorsement extends your coverage to a trailer while parked on-premises and detached from your vehicle.
Depending on your business needs, you can also buy Excess Liability to increase your coverage limits. You can even add unlimited additional insureds to your policy at no extra cost, so you and your partners have coverage in the event of an accident.
Maine 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
Maine Food Trucks and Mobile Food Vendors
Food truck owners and mobile food vendors should check out Maine’s Mobile Eating Place Operators Guide. Before setting out for the top food festivals in Maine, you’ll need your Mobile Vendor License, too.
Since you’ll likely need to add venues or festivals to your Food Truck Insurance policy as additional insureds, FLIP makes that easy too! Log in to your dashboard and add your partners at any time, free of charge.
Liquor Liability Insurance in Maine
A good cocktail makes any meal better, but adding alcohol to the menu comes with a new set of risks. In Maine, you can be held liable for the actions of an intoxicated patron. If you overserve a customer or neglect to check ID and serve a minor, the consequences can be severe and expensive.
FLIP’s Liquor Liability Insurance provides a safety net for alcohol-related accidents. Lawsuits, legal fees, and medical bills can rack up quickly, but we can help mitigate or even eliminate these expenses that would otherwise destroy your business.
Maine Cottage Food Law
According to Maine cottage food laws, you can prepare and sell foods from your home kitchen. A Home Food license requires you to pay an annual fee and have an initial home inspection. Products must be shelf-stable and clearly labeled for sale.
While selling homemade goodies can be fun, it can also be risky. If a customer trips on your sidewalk or has a severe allergic reaction to one of your products, you could be held financially responsible. Protect yourself with home food business insurance and avoid paying hefty bills out-of-pocket.
Licensed Nationwide*
Even if you purchase your business insurance in Maine, your coverage follows you from coast to coast. Licensing and certification requirements can vary from state to state, so research the local laws before you set up shop.
*FLIP is not currently available in Missouri.
