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Michigan Food Liability Insurance

Michigan-based food companies need reliable food insurance to shield them from everyday risks. Get insurance in just 10 minutes from FLIP.


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Michigan Food Businesses We Cover

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Michigan Food Business Insurance

With the second most diverse agriculture in the U.S., Michigan has plenty of choice food finds to offer. Tart cherries, pickling cucumbers, and potatoes are just a few of the state’s top crops. There are plenty of local delicacies, too, including pasties, which are meat pies brought over from Cornwall, and cudighi, a spicy Italian sausage.

If you run your own small food business, Food Liability Insurance program (FLIP) is here to make Michigan business insurance as simple as possible. Our base coverage provides financial protection from common claims food professionals might face, including third-party bodily injury and property damage.

You can also customize your policy to suit your business’ needs:

  • Cyber liability insurance helps to mitigate costs resulting from events like cybercrime and security breaches.
  • You can also extend your plan to cover a trailer or your essential tools and equipment.
  • You can even bump up your limits with excess liability coverage. 

Michigan Food Insurance Coverages

  • 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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Cottage Food Laws in Michigan

A Michigan cottage food license isn’t necessary for you to sell approved foods from your home; however, there are requirements sellers must meet. Only certain foods, like baked goods and vinegar, qualify, and everything must be individually labeled.

The state also offers an online safety training program to help you understand the law

No matter how careful you are, accidents happen. FLIP offers cottage food law insurance so that common mishaps don’t break the bank. You can opt for a policy that covers common claims like third-party injury, damaged equipment, and product liability, safeguarding you against expensive consequences.

Food Truck Requirements for Michigan

From the Michigan City Food Truck Festival to the Detroit Harvestfest, Michiganders love their food truck fare. With a slate of festivals scheduled year-round, Michigan small business insurance is a must-have if you run a food truck. FLIP offers comprehensive food truck insurance to keep you protected.

Michigan food truck license requirements can vary by region; however, they all include an application and fees. Though the state doesn’t mandate that vendors carry insurance, most events will likely require you to have liability coverage.

Michigan Liquor Liability Insurance

Good food goes hand-in-hand with cocktails, but businesses that serve alcohol take on added risk. If you’re doling out drinks, you’ll need to invest in liquor liability insurance in Michigan.

For example, if a customer becomes intoxicated and causes an accident or gets into a fight, you could be liable. FLIP’s trusted policy can help reduce or even eliminate those costs.

Licensed Nationwide*

Food companies that move from Michigan to another state are still covered with FLIP’s insurance, provided that owners continue to follow local and state regulations and certification requirements in their current state.

*FLIP is not currently available in Missouri.

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