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Maryland Food Liability Insurance

Protect your food business in Maryland with FLIP’s comprehensive coverage.


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Maryland Food Businesses We Cover

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Maryland Food Business Insurance

Also known as the Old Line State, Maryland is one of the leading producers of seafood in the United States, including blue crabs and soft clams from the Chesapeake Bay, and hosts the famous Maryland Seafood Festival each year. Maryland also has a thriving food business industry, with restaurant and food service jobs making up 9% of the total employment statewide.  

If you operate a food business in Maryland, Food Liability Insurance Program (FLIP) can help you protect your business with comprehensive general liability insurance. Maryland general liability insurance from FLIP is bundled with product liability, damage to premises rented, and optional coverages such as inland marine (tools and equipment) you can add to customize your policy. 

With our painless online process, you can get the small business insurance you need in ten minutes or less. Enjoy the peace of mind that comes with having liability insurance from FLIP!

Food Insurance Coverage Details

  • 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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Maryland Cottage Food Laws

Cottage food businesses in Maryland are growing rapidly, with annual sales of up to $50,000 (up from $25,000 previously).

If you operate a home-based food business in Maryland, you should familiarize yourself with your state’s cottage food laws to ensure you purchase the right coverage for your business. For example, Maryland actually prohibits the sale of homemade food products outside of the state. Even so, if your food business is based at home, you will need to purchase cottage food insurance to properly protect your business from liability claims.

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Maryland Liquor Liability Insurance

According to the Bureau of Labor Statistics, there are 8,840 bartenders working in Maryland making an average annual salary of $36,980.

If you sell or serve alcohol as part of your business operations, you will need to add liquor liability insurance to your policy, as alcohol-related claims are not covered by a general liability policy. With food business insurance from FLIP, you will have the option to include this additional coverage during the checkout process. 

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Take Your FLIP Insurance With You

When new opportunities arise, you can even take your FLIP insurance policy with you outside of Maryland! Just make sure to follow local licensing and certification requirements for your food business. Let your insurance do the rest.

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