Oklahoma Food Liability Insurance
Get A+ rated, affordable food business insurance in Oklahoma today!
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Oklahoma Food Businesses We Cover
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Oklahoma Food Business Insurance
Oklahoma is known for its iconic smorgasbord of barbecued pork, chicken-fried steak, sausage with biscuits and gravy, fried okra, squash, grits, corn, black-eyed peas, and cornbread complete with strawberries and pecan pie for dessert.
Food vendors are in high demand in Oklahoma. That’s why Food Liability Insurance Program (FLIP) offers A+-rated business insurance for Oklahoma food trucks, food carts, caterers, and more.
Our comprehensive coverage safeguards your business against common claims, like third-party bodily injury and property damage. When accidents happen, FLIP’s liability insurance for Oklahoma businesses can mitigate or even eliminate your financial responsibility.
Need extra protection? No problem! You can customize your policy with additional coverage options, like:
- Trailer Endorsement: protects your trailer when it is parked and detached for your vehicle
- Cyber Liability: covers cybercrime attacks, like data breaches and ransomware
- Inland Marine (Tools and Equipment Coverage): pays to repair or replace your business gear if it’s broken or stolen
Once you have your policy, you can access your Certificate of Insurance (COI), make changes to your coverage, and submit a claim via the online user dashboard.
Oklahoma Food Insurance Coverages
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
Cottage Food Law in Oklahoma
Home-based businesses in Oklahoma can only sell baked goods, including bread, cookies, pies, and muffins.
When you sell your homemade goodies, cottage food insurance is essential. If a customer gets food poisoning or has an allergic reaction, you could be financially liable. Big medical or legal bills can be detrimental to small businesses, but FLIP’s coverage can save you from draining your bank account.
Liquor Liability Insurance in Oklahoma
According to Oklahoma dram shop laws, it’s illegal to serve alcohol to anybody under the age of 21 or to people who are visibly intoxicated. If you do accidentally overserve or give alcohol to an underage patron, you can be held responsible for any injuries or damages those customers cause.
Businesses that sell, serve, or provide alcohol need liquor liability insurance. FLIP’s coverage protects you from paying out of pocket.
Food Truck Requirements in Oklahoma
Before you participate in local food festivals, you need a food truck license in Oklahoma. You can complete your application and apply for a permit online, just make sure you have all of the required documents first.
Once your application is approved, you’ll also need to cover your business with food truck insurance. If a customer falls into your trailer and breaks their arm or a grease fire damages a nearby building, your coverage protects you from covering expensive claims on your own.
Licensed Nationwide*
FLIP’s coast-to-coast coverage protects your food business almost anywhere you go. Just make sure to follow the local licensing and certification requirements wherever you operate!
*FLIP is not currently available in Missouri.
