West Virginia Food Liability Insurance
Get food business insurance in West Virginia in 10 minutes or less!
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West Virginia Food Businesses We Cover
West Virginia Food Business Insurance
From delicacies like biscuits and gravy to delectable pepperoni rolls created by Italian immigrants, West Virginia is home to many beloved restaurants and special dishes.
If you’re one of the many talented food pros in West Virginia, business insurance should be at the top of your to-do list. Food Liability Insurance Program (FLIP) offers comprehensive general liability coverage for food trucks, caterers, home-based bakers, and many more!
Let’s say a customer takes a tumble into your trailer or a client gets food poisoning from your homemade muffins. You could be financially responsible for legal fees, medical bills, judgments, and repair costs. With food business insurance, West Virginia food professionals don’t have to pay for accidents like these out of pocket.
You can also customize your policy to get the exact coverage you need with our optional add-ons. These include:
- Professional Liability: insures professional services, like cooking classes and workshops
- Product Liability: covers claims associated with the products you make, sell, and distribute
- Cyber Liability: protects you against cybercrime costs, like ransomware and data breaches
- Inland Marine (Tools and Equipment): pays to replace or repair stolen or damaged business equipment
- Trailer Endorsement: extends coverage to your trailer when parked and detached
- Excess Liability: increases your policy limits when you need more coverage
West Virginia Food Insurance Coverages
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
West Virginia Cottage Food Laws
According to the state’s cottage food law, West Virginia residents can prepare and sell certain foods — like bread and jellies — from their home kitchens. Home-based businesses can register for free, though you may need to purchase a farmers market permit, depending on your product.
Selling food from your home kitchen carries some unique risks. If a customer slips on your sidewalk or has an allergic reaction to your fruit preserves, you could be left holding the bill. FLIP’s cottage food insurance safeguards your finances, covering some or all of your financial responsibility if an accident occurs.
Food Truck Requirements in West Virginia
If you operate a food truck in West Virginia, business insurance can protect you from pricey claims that can come up while you’re working the festival circuit. Whether somebody trips over your hitch and injures their wrist or your grease trap catches fire and damages a nearby building, your coverage can mitigate or eliminate the cost.
West Virginia Liquor Liability
Does your business serve alcohol? We have you covered there, too!
FLIP offers liquor liability insurance for bartenders, caterers, and any other business that sells, serves, or produces alcohol. If you accidentally serve a minor or overserve an intoxicated customer, you could be held responsible if they injure somebody or cause property damage. Liquor liability coverage helps with these expenses.
Licensed Nationwide*
If you’re moving across the country or planning to take your food truck throughout the tri-state area, your policy will follow you anywhere in the US. Just make sure you adhere to local licensing and certification requirements wherever you land.
*FLIP is not currently available in Missouri.
