Food Vendor Insurance
Your choice for affordable, personal, and protective food vendor liability insurance.
Benefits of Insurance for Food Vendors
Learn how food vendor insurance can protect your business.
Low-Cost, High-Quality Coverage
Don’t break the bank protecting your business. We offer high-quality coverage options starting at just $25.92 per month.
Quote-Free Online Process
You’re busy—we understand. Purchase your policy completely online in 10 minutes or less.
Personalized Protection
Add the coverages you need, when you need them, and create a policy personalized for your unique business needs.
What Is Liability Insurance for Food Vendors?
Food vendors’ insurance protects your business from third-party claims that might arise from food vending operations. Covered claims may include slip-and-fall accidents, illnesses caused by food products, or equipment loss.
Available Coverages:
- General Liability Insurance
- Product Liability Insurance
- Damage To Premises Rented
- Cyber Liability Insurance
- Trailer Endorsements
- Free Unlimited Additional Insureds
- Inland Marine Insurance (Tools & Equipment Coverage)
When you protect your business with liability insurance for food vendors, you can experience a whole different way of running your business. This can include better peace of mind, easier access to insurance professionals, filing claims without stress, and a more professional tone when booking events.
How Much Does Food Vendor Insurance Cost?
Food vendor insurance costs start at $25.92 per month or $299 per year. The price can be affected by:
- Your Business Location
- The Coverages You Include
- Coverage Limits
- Business Revenue
- Length Of Coverage
Do I Need Food Vendor Insurance?
Yes. When you operate your food vendor business you are liable if injuries, illnesses, or damages happen in the process of your business operations.
For example, if a customer gets sick eating your food or if somebody trips and falls over your stand and is injured, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances and cause your business to close.
In addition, many farmers markets, state fairs, festivals, and event organizers require all food vendors to carry them as additional insureds to protect them from your liability. An additional insured can receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations. This endorsement can be added to a vendor liability insurance policy at any time before the event for free.
Let's Talk Numbers for Vendor Insurance
Food Vendor Insurance Coverage Details
General Liability
Limit Per Policy: $2M
Protect your vendor business from third-party injury and property damage claims. General Liability Insurance can protect you from the costs related to claims. Costs can include attorney fees, medical fees, and more.
Product Liability
Limit Per Policy: $2M
Protect your business from the costs related to foodborne illness. No matter how diligent you are, claims can still happen and customers could still get sick from an unlabeled food allergen or undercooked food. Product Liability Insurance can serve as a financial safety net for these claims.
Inland Marine
Limit Per Policy: $10K
Inland Marine Insurance can extend valuable coverage to your business’s most valuable asset – your equipment and tools. Inland Marine Insurance can help replace or repair damaged or stolen business equipment such as appliances, tablets, card readers, and vending stations.
Damage to Premises Rented
Limit Per Policy: $300K
Renting space allows your business to be mobile and expand your customer base. Property damage is a risk you face during every job. Food vendor liability insurance includes damage to premises rented coverage and can respond to covered claims.
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Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
$5,000/$10,000
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Have Questions? We're On It.
If you attend any event where you serve your food then you will need street food vendor insurance. Businesses that need food vendor insurance include:
- Festival Food Vendors
- Event Food Vendors
- Farmers Market Food Vendors
- Mobile / Street Food Vendors (such as popcorn, nachos, cotton candy, shaved ice, funnel cake, hot dogs, caramel apple, etc. vendors)
The list is nearly endless, but the takeaway is that if you are a food vendor who travels to events, festivals, or farmers markets, you need mobile food vendor insurance.
Food vendor insurance covers third-party injury accidents, property damage, product liability claims, damage to rented property, your tools and equipment, your trailer if you have one, and more.
Some common claims may include the following scenarios:
- While serving your cuisine at a local festival a customer purchases food from you and then trips over a power cord that wasn’t secured properly. They fell on gravel and injured their knees. They sue you and you’re now stuck with attorney fees and their medical bills. Food vendor insurance can help with the cost of this claim.
- While at an event you don’t realize that one of your warmers went out and the food was sitting cold. You serve it to a customer and they come down with food poisoning. They sue you for making them sick.
- A large thunderstorm sweeps through your area and unfortunately floods your kitchen and damages your invaluable equipment.
No, however, you can choose to pay your annual FLIP General Liability policy premium per month or per year. Monthly payments start as low as $25.92 per month, or as low as $299 paid upfront annually. If your business sells alcohol, then you can get either an Event Liquor Policy or an Annual Liquor policy.
If you are considering the Food Liability Insurance Program (FLIP) to protect your food vendor business, here are a few reasons why you should go with us:
- Affordable Premium
- Licensed in All 50 States
- Free Additional Insureds
- Purchase Instantly Online – No Long Quote Process
- Convenient Online Purchasing
- 24/7 Access to Policy Documents
- Personalized Policies
Yes. Your policy follows you throughout the USA and Canada and can protect you from third-party injury or property damage claims. You can choose a policy that provides up to 3 days of coverage (Event Policy) or a policy that provides 365 days of coverage (Annual Policy).
We also offer free & unlimited additional insureds. An additional insured is any landlord, property owner, or event organizer who requests you extend your insurance coverage to them. You can add an additional insured at any time through your user dashboard.
Yes. We offer free and unlimited additional insureds that you can add any time you need to through your user dashboard.
