Food Vendor Insurance
America’s top 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.
Affordable, A+ Rated Coverage
Don’t break the bank protecting your business. We offer high-quality coverage options starting at just $25.92 per month.
Instant Quote 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 vendor insurance protects your business from third-party claims that might arise from food vending operations.
What Does Food Vendor Insurance Cover?
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.
For example, if a customer accidentally breaks your trailer hitch while you’re parked at an event or if somebody trips and falls over your stand and is injured, you could be held responsible.
This doesn’t have to be a financial hit to your business, though! By carrying food vendor insurance, you protect your finances from expensive claims stemming from incidents like these.
Available Coverages:
- General Liability Insurance
- Product Liability Insurance
- Damage To Premises Rented
- Cyber Liability Insurance (Data Breach Coverage)
- Food Trailer Endorsement
- Free Unlimited Additional Insureds
- Inland Marine Insurance (Tools and Equipment Coverage)
Protect your business with food vendor liability insurance to enjoy peace of mind and meet vendor insurance requirements. FLIP makes it easy to file claims without stress, including the ability to speak with licensed agents if you need help.
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
- Coverages you include
- Coverage limits
- Business revenue
- Length of coverage
Cost is always an important part of selecting the right coverage for your business, but the cheapest food vendor insurance may not offer you the best protection.
FLIP is proud to offer comprehensive food vendor coverage and customizable policies for an affordable price so you can safeguard your livelihood without breaking the bank.
Do I Need Food Vendor Insurance?
Yes! When you operate your food vendor business you are liable if injuries, illnesses, or damages happen.
In addition, many farmers markets, state fairs, festivals, and event organizers require food vendors to carry them as additional insureds to protect them from your liability.
How Can I Get Food Vendor Insurance?
With FLIP, you can get food vendor liability insurance in 10 minutes or less with our easy online application! Just follow these simple steps:
- Start your application
- Select your business activities
- Fill out required information
- Get your free quote and finish checking out!
Let's Talk Numbers for Vendor Insurance
Food Vendor Insurance Coverage Details
General Liability
Limit Per Policy: $2,000,000
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: $2,000,000
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.
Tools & Equipment
Limit Per Policy: $10,000
Tools and equipment coverage can extend valuable coverage to your one of your business’s most valuable assets: your equipment and tools.
By adding this optional coverage to your policy, you can receive coverage to help repair or replace damaged or stolen business equipment such as appliances, tablets, card readers, and vending stations.
Damage to Premises Rented
Limit Per Policy: $300,000
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.
What Our Customers Are Saying
Here's what other people have to say about their experience from over 312+ available reviews.
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
FAQs About Insurance for Food Vendors
Who Needs Mobile Food Vendor Insurance?
If you attend any event where you serve your food, 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.)
If you are a food vendor who travels to events, festivals, or farmers markets, you need mobile food vendor insurance.
Is Food Vendor Insurance Required by Law?
Even if food vendor insurance isn’t required by your state or local laws, it’s not uncommon for event and festival organizers to ask for proof of insurance before letting you participate.
By carrying vendor insurance, you open yourself up to more vending opportunities than you’d have without insurance, making it easier to grow your business!
Can I Get a One-Day Food Vendor Insurance Policy?
While we don’t offer daily policies, 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.
Why FLIP for the Best Food Vendor Insurance?
- A+ Rating from AM Best
- Affordable Premium
- Licensed in Most Locations*
- Free, Unlimited Additional Insureds
- Purchase Instantly Online—No Long Quote Process
- 24/7 Access to Policy Documents
- Personalized Policies
*FLIP is currently unavailable in Missouri
Does Insurance for Food Vendors Cover Me at Events and Festivals?
Yes! Your policy follows you throughout the USA and Canada and can protect you from third-party injury or property damage claims at events, fairs, festivals, and more.
Can I List an Event as an Additional Insured on My Food Vendor Insurance Policy?
Yes! We offer free and unlimited additional insureds that you can add any time you need to through your user dashboard.
