Massachusetts Food Liability Insurance
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Massachusetts Food Businesses We Cover
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Food Business Insurance in Massachusetts
If you’ve ever enjoyed a fluffernutter sandwich or NESTLÉ® TOLL HOUSE® Cookies, you have Massachusetts to thank. In addition to these delectable desserts, The Bay State offers a bounty of ocean-fresh seafood, and (of course) Boston baked beans.
Food Liability Insurance Program (FLIP) is here to protect talented food vendors serving up the best grub in Massachusetts. Business insurance provides a safety net so you can work with confidence.
Our comprehensive general liability insurance covers common claims like third-party bodily injury, property damage, and product liability.
Customize your policy with add-ons to extend or expand your coverage. Options include:
- Cyber Liability: covers costs associated with cybercrime, like ransomware and data breaches
- Trailer Endorsement: extends coverage to your trailer when parked and detached
- Inland Marine (Tools and Equipment): pays to repair or replace damaged or stolen business gear
- Professional Liability: coverage for claims associated with professional services like teaching or workshops
You can also add unlimited additional insureds to your policy at no extra cost, so you and your partners are always covered.
Massachusetts 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
Massachusetts Cottage Food Law
Cottage law in Massachusetts permits residents to prepare and sell shelf-stable foods from their home kitchens. As a home-based business, you may be liable if a customer falls in your driveway or has an allergic reaction to your products. Cottage food insurance covers some or all of your financial responsibility if an accident occurs.
Liquor Liability Insurance in Massachusetts
If your menu features cocktails, you need liquor liability business insurance. Businesses that sell, serve, or provide alcohol can be held responsible if an intoxicated customer injures somebody or causes property damage. This coverage can save you from paying thousands of dollars out of pocket.
Massachusetts Food Trucks
From food festivals to fairs, food trucks are dishing out delicious dishes. Before you participate in your next event, make sure you have liability insurance to safeguard your business. A grease fire or slip-and-fall can ruin a successful day, but FLIP ensures that a small mistake won’t turn into a big expense.
Coast to Coast Coverage
If your business travels, so should your insurance. Your FLIP policy follows you wherever you go, so you’re protected whether you’re in Nantucket or New Jersey*. Just make sure to learn and follow local requirements before you get to work.
*FLIP is currently unavailable in Missouri
