Liability Insurance for Swap Meets
Protect your food vendor business at swap meets with high-quality liability insurance.
Benefits of Swap Meet Liability Insurance
Food Liability Insurance Program (FLIP) offers food vendor insurance for swap meets that you can purchase in 10 minutes or less! Enjoy same-day coverage and sell food at swap meets with the peace of mind that comes with insurance.
Customizable Coverage
Every food business faces similar liability risks, but no two businesses are exactly alike. Personalize your policy by adding optional coverages during checkout to create the most comprehensive plan for your business.
Free, Unlimited Additional Insureds
When a swap meet organizer asks you to add them to your policy, you can do so easily through the user portal. There’s no limit to the number of insureds you can add—and it doesn’t cost you a cent.
Instant Quote Process
Our quick and easy online application makes it so that you can get your Certificate of Insurance (COI) and access your policy information 24/7 immediately after checking out.
What Is Swap Meet Liability Insurance?
Vendor insurance for swap meets is designed to shield you from common claims you might face as a food vendor at these events. Some of the claims you might face can come from incidents such as:
- Slip-and-fall accidents or other third-party bodily injuries
- Illnesses or injuries caused by foodborne illness or unlabeled allergens in the food you served
- Accidental damage you caused to the swap meet’s venue while you were vending there
Swap meets are fantastic opportunities for food vendors like you to advertise and sell your products in an open and inviting space. Allow yourself to focus on attracting new customers and serving delicious foods by safeguarding your business with liability insurance.
How Much Does Vendor Insurance for Swap Meets Cost?
You can get swap meet insurance from FLIP starting at just $25.92 per month or $299 per year. Our policy includes the following coverages:
- General liability
- Product liability
- Damage to premises rented
Our swap meet insurance policy provides comprehensive coverage to protect you and your business for a low price, made possible by our innovative online program.
To customize your policy to fit the needs of your business, you’ll be able to add optional coverages during checkout, including:
- Inland marine (tools and equipment)
- Cyber liability
- Liquor liability
- Trailer endorsement
How Much Does Vendor Insurance for Swap Meets Cost?
You can get swap meet insurance from FLIP starting at just $25.92 per month or $299 per year. Our policy includes the following coverages:
- General liability
- Product liability
- Damage to premises rented
Our swap meet insurance policy provides comprehensive coverage to protect you and your business for a low price, made possible by our innovative online program.
To customize your policy to fit the needs of your business, you’ll be able to add optional coverages during checkout, including:
- Inland marine (tools and equipment)
- Cyber liability
- Liquor liability
- Trailer endorsement
Do I Need Insurance to Sell Food at a Swap Meet?
Yes! It’s common for swap meet organizers or market venues to require you to carry liability insurance before you can get approved for a booth and sell your product there. Plus, accidents happen, whether or not a swap meet organizer requires you to provide proof of insurance before selling there.
For example, a customer could still injure themselves by tripping on something in or around your booth, or you could accidentally damage the venue you’re vending at and be held responsible for repairs. Claims like these can run into the tens of thousands of dollars. Without insurance, you’ll have to pay these costs out of pocket.
Many market organizers will also ask you to add them to your policy as an additional insured. You can do this online 24/7 an unlimited number of times with a FLIP policy—completely free of charge.
When you have liability insurance, swap meets become much less of a potential financial risk for your business because you’ll be safeguarded against unexpected claims. Instead, you’ll be able to focus on what you love: serving food to your customers and growing your business.
More Than Food Vendor Insurance
Program Benefits:
- Instant quote process
- 24/7 access to policy documents
- Convenient online purchasing
- Monthly payments available
Let's Talk About Numbers for Swap Meet Vendors
Swap Meet Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
While vending at a swap meet, you may accidentally cause third-party bodily injury or property damage. General liability insurance is there to protect you from the cost of these claims and also includes Products-Completed Operations, Personal and Advertising Injury, and more.
Product Liability
Aggregate Limit: $2,000,000
All food businesses take precautions to avoid spreading foodborne illnesses or not correctly labeling allergens in their food, but accidents still happen. This coverage is there to shield you from the cost of claims from these incidents.
Tools & Equipment (Inland Marine)
Aggregate Limit: $10,000
Serving food at the swap meet means bringing your equipment with you. If your gear gets stolen or damaged while vending, the cost of replacing or repairing it can place a financial burden on your business. Tools and equipment coverage is there to help cover these costs.
Damage to Premises Rented
Aggregate Limit: $300,000
Setting up your booth and equipment at the swap meet can result in some unintentional damage to the venue when oil from your fryer leaks onto the concrete or your table scrapes the floor. Protect yourself from the expense of these claims with damage to premises rented coverage.
Hear From Our Customers About Swap Meet Insurance
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 Swap Meet Insurance
What Types of Insurance Do Swap Meet Food Vendors Need?
Swap meet food vendors need a variety of different coverages, but the core types any vendor should have are:
- General liability: Provides coverage for third-party bodily injury and property damage claims.
- Product liability: Responds to claims involving illness or injury caused by your food products (food poisoning, unlabeled allergens, etc.)
- Damage to premises rented: Covers your business in the event you accidentally damage the space you’re renting, such as a swap meet booth.
Most vendors will also benefit greatly from adding these other types of insurance to their policy in order to have the most robust coverage:
- Tools and equipment: If your business equipment is damaged or stolen while you’re at an event, this coverage would respond to that claim.
- Trailer endorsement: For swap meet food vendors who use a trailer as part of their business, this endorsement can shield you from claims that happen in or around it while it’s parked and detached from your towing vehicle.
- Cyber liability: Protects the business and customer information you store digitally, such as sales projections or credit card information, in the event of a cybersecurity breach.
What Is an Additional Insured for a Swap Meet Food Vendor?
The term “additional insured” simply refers to a person or organization you add to your policy to protect them from your liability.
For example, a swap meet that you’ve applied to be a vendor at might ask you to add their organization to your policy before you can sell there.
It’s simple to add additional insureds to your FLIP policy! You’ll have the option to add them during the checkout process, but you can add them at any time afterward via the user portal.
Adding additional insureds doesn’t cost you anything and there’s no limit to the number of people or organizations you can add to your policy.
