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Minnesota Food Liability Insurance

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Minnesota Food Businesses We Cover

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Minnesota Food Business Insurance

Minnesota has a rich food history. Pop-up toasters were invented by Minneapolis resident Charles P. Strite in 1919, reducing the amount of burnt toast for over a century since. The world also has Minnesota to thank for iconic foods like SPAM, bundt cake, Milky Way bars, and Totino’s pizza rolls.

From craft beers and cheese curds to pork chops on a stick, food vendors and businesses of all kinds come out for events like the Minnesota State Fair, Minneapolis’ Uptown Food Truck Festival, All Pints North.  

Helpful resources for food professionals in Minnesota: 


Food Liability Insurance Program (FLIP) offers liability insurance for street cart food vendors, caterers, food trucks, bakers, concessionaires, private chefs, and many others. Our policies are the most affordable without sacrificing the insurance coverages that food business owners in Minnesota need to protect their business.

FLIP’s 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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Minnesota Cottage Food Laws

In 2021, lawmakers in Minnesota raised the cap on home-based food sales to $78,000 per individual, making the state even friendlier to those who want to operate their food business from their primary residence. Additionally, cottage food businesses are allowed to operate without a license in Minnesota so long as they are not selling potentially hazardous food.

If you are selling food from home in Minnesota, it’s important to familiarize yourself with your state’s cottage food laws such as these. It’s also critical to protect your home-based food business from liability claims with cottage food insurance. These risks include food poisoning, unlabeled food allergens, and third-party bodily injury.

Minnesota Food Truck Insurance

Food trucks have seen a rise in popularity over recent years, with an expected compound annual growth rate of 6.4% between 2022 and 2030. It’s no wonder that many food business owners in Minnesota are choosing to operate a food truck instead of a brick-and-mortar location.

Minnesota food truck laws require business owners to obtain several licenses to operate legally, including a business license, a mobile food facility permit, and more.

Additionally, food truck insurance is crucial for anyone who owns a mobile food business to shield their finances from the potentially devastating cost of liability claims.

Coast to Coast Coverage

FLIP is available in most states*, so you can take your Minnesota coverage with you if you move. As long as you follow the certification and licensing requirements of the state you live in, your policy will follow you wherever you go.

*FLIP is currently unavailable in Missouri

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