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What Is Food Liability Insurance?

Video Transcription:

Let’s take a look at the top 3 questions people ask about food business insurance so you can confidently purchase the best policy for your business.

1. What Is Food Liability Insurance?

Food liability insurance is a set of coverages designed to shield food and beverage businesses from the costs of common claims. When you purchase a FLIP policy, these coverages can include:

  • General liability insurance
  • Product liability insurance
  • Damage to premises rented insurance
  • Tools and equipment insurance
  • Trailer endorsement
  • And more!

2. What Does Food Liability Insurance Cover?

Food liability insurance can cover a variety of claims, including:

  • Third-party bodily injury
  • Personal and advertising injury
  • Food poisoning or unlabeled allergens
  • Stolen or damaged equipment
  • Damage to a rented space, such as an event booth or a commercial kitchen
  • And more!


If your business sells or serves alcohol, you can purchase a liquor liability policy through FLIP as well to shield you from alcohol-related claims.

3. How Much Does Food Liability Insurance Cost?

FLIP policies start at $25.92 per month or $299 per year, but the amount you pay can vary depending on several factors, including:

  • Which state you do business in
  • Your business’ gross annual sales
  • The coverages you select
  • The coverage limits you choose


Don’t hesitate to reach out to our customer service representatives for further assistance about food business insurance. 

But, if you’re ready to rock and roll, get food liability insurance today and enjoy the peace of mind that comes with a FLIP policy!