Concession Insurance
Customizable insurance for concession stands means coverage you can depend on—all through an easy online process.
Benefits of Concession Insurance
Get same-day coverage for your concession stand business in 10 minutes or less and enjoy the peace of mind that comes with high-quality insurance.
High-Quality Protection
FLIP’s concessionaire insurance includes General and Product Liability, Tools and Equipment coverage, and more to give your business the 360-degree protection it needs.
Free and Unlimited Additional Insureds
As an event-attending business, you will likely need to include additional insureds on your policy. FLIP offers free and unlimited additional insureds to concessions businesses.
Easy, No-Pressure Process
With FLIP, it takes less than ten minutes to protect your concessions business. You also gain instant, 24/7 access to your policy and information through our online user portal.
Do Concessionaires Need Insurance?
Yes. As a food industry business, concession stands face a unique set of liability risks, from accidents that cause bodily injury to customers getting sick from the food you serve.
Liability claims can be expensive—often costing tens of thousands of dollars or more. Concession insurance can protect your business from the out-of-pocket costs you may be required to pay for liability claims, allowing you to continue running your business safely and securely.
How Much Does Concession Insurance Cost?
Insurance for concessionnaires starts at $25.92 per month or $299 per year. This includes our base limits of $1,000,000 per occurrence and $2,000,000 aggregate coverage. As a policyholder, you have the option of increasing the coverage limits to fit your unique business needs.
The cost of food concession insurance is affected by:
- Gross income limit
- Additional coverages included in your policy (Trailer Endorsement, Tools and Equipment, Cyber Liability)
- States you operate in
Does Concession Insurance Cover My Food Trailer?
In order to protect your food trailer, you must include a trailer endorsement in your policy. A trailer endorsement extends your general liability insurance protection to your food trailer while it is parked on-premises and detached from your vehicle.
This endorsement is not included in a base policy from FLIP but you can add this endorsement at any time through the application or your user dashboard.
Let's Talk About Numbers for FLIP
Concession Stand Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
General Liability insurance shields you from paying for claims related to third-party bodily injury and property damage. This coverage can also protect your business against personal and advertising injury, products-completed operations, and other claims.
Product Liability
Aggregate Limit: $2,000,000
Product Liability Insurance can protect you from paying out of pocket for claims involving foodborne illness. This includes food poisoning and unlabeled allergens.
Tools and Equipment
Aggregate Limit: $10,000
When your equipment is stolen or breaks and needs repairs, Tools and Equipment coverage can prevent you from having to pay for these expenses completely out of pocket. To fit the unique needs of your business, FLIP offers two Tools and Equipment coverage options for you to choose from.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space like a commercial kitchen or participate in events, you need insurance that protects you from potential damages that might occur there. Property owners and event organizers may require you to include them as an additional insured on your policy. FLIP provides unlimited additional insureds at no extra cost.
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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
FAQs About Concession Insurance
How Can I Insure My Concession Trailer?
You can get coverage for your concession trailer by adding a food trailer endorsement to your policy during the application. This will ensure that your trailer is protected when it is parked on premises and detached from your vehicle. You can also add a trailer endorsement to your policy at any time through the user portal.
How Can I Customize My Concession Insurance?
You can customize your policy to suit your business’ needs by adding optional coverages, such as Tools and Equipment to protect you in the event your equipment is stolen or damaged.
Other customization options include adding Cyber Liability insurance to shield you from claims related to data breaches and a trailer endorsement if you use a detached trailer as part of your business operations.
Is Concession Insurance Expensive?
While concession insurance starts at $25.92 per month, the amount you pay will depend on several factors including the state your business operates in, your business’ gross income limit, and whether you include additional coverages on your policy, such as a trailer endorsement.
However, when you’re faced with a claim costing thousands of dollars, you will be able to breathe easier knowing your insurance policy can help ease (or in some cases, fully cover) the cost of that claim.
What Happens If I Need to File a Claim?
In the event that you need to file a claim, just follow these steps:
- Log in to your FLIP online user account
- Go to “Manage Policies”
- Select “File A Claim”
- Fill out the required information
- Submit your claim
What Insurance Do Concession Vendors Need?
If you are a concession vendor, you should have the following insurance coverages:
- General Liability
- Product Liability
- Tools and Equipment
- Damage to Premises Rented
- Cyber Liability
- Trailer Endorsement (if you use a parked and detached trailer for your business)
By having these coverages, you can shield yourself from costs associated with claims, including attorney fees, property damage replacement fees, medical fees, and more.
