State Fair Insurance
State fairs bring good food, laughter, and fun. They can also bring some serious liability risks. State fair food vendor insurance protects your business.
Benefits of State Fair Food Insurance
Food Liability Insurance Program (FLIP) can protect your business from expensive claims with state fair food insurance. Discover the benefits of insurance from FLIP below!
Free and Unlimited Additional Insureds
Many state fairs require you to add them to your insurance policy to protect themselves from your liability. FLIP makes this easy: you can add unlimited additional insureds at any time, free of charge.
Personalized Coverage
Increase coverage limits and select additional coverages to create a policy that is catered to your unique business needs.
No-Pressure Process
Our agents don’t make a commission, so you will never feel pressured during your insurance process with FLIP. Access your policy documents, adjust your limits, and apply additional insureds, completely online from your user dashboard.
What Is State Fair Food Insurance?
State fair food insurance is a combination of liability coverages designed to protect your business from the financial burden of claims. Claims can happen at any time and have the potential to financially devastate your business.
Common claims can include third-party bodily injury accidents, property damage, foodborne illness, and more. State fair food insurance can mitigate or even eliminate the out-of-pocket costs of claims.
Do You Need Insurance to Sell Food at State Fairs?
Yes. Selling food products at state and county fairs comes with a unique set of risks, from trip-and-fall accidents and property damage claims to customers becoming sick from the food you served them. If an accident involving your business or food product occurs at your vendor stand, you could be held liable to pay tens of thousands of dollars—or more.
That’s why your business needs state fair food insurance. It can reduce and in some cases remove the cost you may be required to pay for liability claims arising from your business operation.
How Much Does State Fair Food Insurance Cost?
The cost for state fair food vendor insurance starts at $25.92 per month or $299 per year. This price can fluctuate depending on:
- The gross income amount of your business
- The coverage limits you choose
- The coverages you include on your policy
Let’s Talk Numbers For State Fair Food Insurance
Coverage Details for State Fair Food Insurance
General Liability
Aggregate Limit: $2,000,000
Protect your business from the cost of third-party bodily injury and property damage claims that arise as a result of your business operation, products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2,000,000
Your food stand is at risk of fair customers getting sick from the food you serve them, whether it be from foodborne illness, unlabelled allergens, or something else. Product liability insurance can protect your business from the cost of these product-related claims.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Protect your business’ tools and equipment from damage and theft, including while transporting it to and from the fairgrounds. FLIP offers increased coverage limits for inland marine based on your business insurance needs.
Damage to Premises Rented
Aggregate Limit: $300,000
This insurance coverage shields you from costs resulting from damages to rented spaces, such as your stand at the fair.
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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
