Culinary Business Liability Insurance
Protect your culinary business with personalized, professional, and protective cooking insurance from FLIP.
Benefits of Culinary Insurance
Culinary insurance coverage can shield your business from costly claims and boost your professionalism and rapport. Find out how.
Free and Unlimited Additional Insureds
Extend your insurance coverage to your events by including them as additional insureds on your policy. Food Liability Insurance Program (FLIP) offers unlimited additional insureds, completely free of cost.
Fast and Secure Online Process
Get your quote and the coverage you need in minutes with FLIP’s online checkout process. Gain instant, 24/7 access to your policy through your FLIP user account.
Trailer Endorsement
Extend your general liability insurance to your trailer. A trailer endorsement covers liability incidents in, on, or around the trailer when the trailer is detached from your towing vehicle and parked on a rented premises.
What Is Culinary Insurance?
Culinary liability insurance is designed to provide a financial safety net for the cost of claims related to the daily operations of your personal chef, catering, or food vendor business.
Covered claims may include slip-and-fall accidents, illnesses caused by your food product, or equipment loss. When you purchase culinary business insurance from Food Liability Insurance Program (FLIP), you receive the following coverage:
- General liability
- Product liability
- Damage to premises rented
You can customize your policy with optional coverages for an added cost, including inland marine (tools and equipment), cyber liability, trailer endorsement, and more.
FLIP makes it easy to purchase culinary insurance with our quick and easy online process. You can purchase your policy and get insured in ten minutes or less without ever needing to speak to an agent! But if you do have any questions, our licensed agents are waiting to talk to you about how FLIP can benefit your business.
How Much Does Cooking Insurance Cost?
We offer a base general liability coverage in our FLIP culinary insurance policy starting at $299 per year or $25.92 per month.
Every business is unique and requires different types of coverage. A few factors that affect the price of your policy are gross sales, the amount of business property coverage you want to have, increasing limits, and professional liability coverage.
Do I Need Culinary Insurance?
Yes! Owning a food business leaves you vulnerable to a number of risks. You could face a variety of third-party claims, including:
- A customer experiencing an allergic reaction to food purchased from you
- A customer sustaining an injury at your station
- Accidentally damaging the property of the commercial kitchen you rent for your business
In some severe cases, these claims can lead to legal action and defense costs can add up fast. This kind of financial strain can be detrimental to many small business owners.
Culinary insurance works as a financial safety net and is designed to respond to covered third-party claims you may face.
Let’s Talk Numbers For Culinary Insurance
Culinary Business Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Injury and property damage are risks every business owner faces. Even with a comprehensive risk management plan, there’s still a chance that a mishap occurs while operating and it can lead to legal action. General liability responds to claims you are legally liable for.
Product Liability
Aggregate Limit: $2,000,000
You love to make food and serve your clients. It’s one of the many reasons you started this business! There’s always a possibility of a customer experiencing a foodborne illness from food purchased from you. Product liability insurance can help protect you from this risk.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Guard your business against the cost of claims regarding equipment damage and theft. FLIP offers increased coverage limits for tools and equipment based on your business insurance needs.
Damage to Premises Rented
Aggregate Limit: $300,000
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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
