North Dakota Food Liability Insurance
Enjoy affordable, top-rated food business insurance in North Dakota from Food Liability Insurance Program (FLIP)!
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North Dakota Food Businesses We Cover
North Dakota Food Business Insurance
While corn and wheat are major agricultural exports, North Dakota also boasts rich culinary traditions from its Native American, Scandinavian, and German-Russian communities, making chokecherry, lefse, and knoephla soup beloved by residents.
No matter what kind of food you make or serve in the Flickertail State, FLIP has liability insurance policies that can shield your business from common risks and keep your finances secure.
Starting at just $25.92 a month or $299 a year, you can get A+ rated general liability insurance in North Dakota for third-party bodily injury and property damage claims.
Expand your coverage with optional add-ons, including:
- Cyber Liability: can protect your finances in the event of a cyberattack, such as phishing, ransomware, or a data breach
- Food Trailer Endorsement: extends your general liability coverage to your trailer when it is parked and detached from the towing vehicle
- Tools and Equipment (Inland Marine): can cover your stolen or damaged business equipment, including your generator
- Professional Liability: responds to claims involving your professional services, such as cooking classes or workshops you run
- Product Liability: can cover claims related to the food products you make, sell, or distribute
North Dakota Cottage Food Law
North Dakota residents can legally sell shelf-stable and perishable food from home as long as they disclose that the product is homemade. Cottage food businesses can get affordable insurance from FLIP to protect them in the event a customer gets food poisoning or injures themselves while picking up an order.
North Dakota Food Truck Requirements
Before you take your food truck to a food festival in North Dakota or park it outside a brewery in Fargo, protect it with insurance. While you may not be legally required to carry food truck insurance, it can act as a financial safety net if your truck leaks oil on a venue’s property or a customer trips and falls outside your service window.
North Dakota Dram Shop Law
Like most other states, North Dakota has dram shop laws that hold business owners liable for the injuries or property damage caused by their intoxicated patrons.
If you sell, serve, or provide alcohol, you need liquor liability insurance. This coverage can help pay for legal defense costs, settlement fees, medical bills, and property repairs caused by someone you provided alcohol to.
Coast-to-Coast Coverage*
Even if you move your business to Florida, FLIP will still be there to cover you from claims. Enjoy peace of mind anywhere in the country, provided you adhere to any licensing and certification requirements in the state you currently do business in.
*FLIP is not currently for sale in Missouri
