Vendor Insurance through FLIP
The Food Liability Insurance Program was designed to help small food business owners get the vendor insurance they need. Many FLIP customers are food vendors, caterers, farmers market vendors, and food truck owners, who need vendor liability insurance, but also need to find a policy that is affordable for small business owners.
Many conventions, festivals, fairs, and other events where mobile food vendors sell their goods require that these vendors have liability insurance, and even if insurance is not required, it is a smart choice for food business owners. Because our policy includes product liability insurance as well as general liability insurance, it is an excellent choice for food vendors, who take on significant product liability risk because they sell food.
The Food Liability Insurance program was designed to include the coverages that food vendors need. Our program includes coverage of general liability, product liability, and more. We also allow vendors to add additional insureds, such as the commercial kitchen where they prepare the food they sell, to their policy any time at no extra cost.
Our policy is an annual policy, and it is not premises specific, so it allows food vendors the freedom to sell their food at an unlimited number of events per year at as many different locations as they like as long as they are within the United States.
The FLIP policy can be purchased in just a few minutes online, and you can download your policy information and proof of insurance immediately.
"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price." Jessi, TN - More Testimonials
What Is Vendor Business Insurance?
Vendor business insurance protects food vendors from third-party claims that might arise from their food vending operations. Covered claims may include slip-and-fall accidents, illnesses caused by food products, or equipment loss.
Vendor insurance from the Food Liability Insurance Program (FLIP), provides coverage for business personal property/inland marine, general liability, product liability, and identity recovery coverage.
How Much Is Vendor Business Insurance?
A basic general liability insurance policy from FLIP starts at $299. However, there are additional coverage options that you can add to your customize your policy. For example, as a food vendor, you may wish to increase your business personal property coverage amounts or add a trailer endorsement.
Do I Need Vendor Business 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.