Food Manufacturers Insurance
Get an instant quote and safeguard your business today with food manufacturing insurance from Food Liability Insurance Program (FLIP)!
The Top Choice for Food Manufacturing Insurance
You need insurance you can rely on for your food manufacturing business — FLIP has your back with comprehensive coverage to protect you from every angle.
Customizable Coverage
Every business faces risks, so you need liability coverage that fits your needs. With FLIP, you can create a customized insurance plan and cover what’s important to you.
A+ Rated Protection
Safeguard your hard work with FLIP’s top-rated food manufacturers insurance. We provide a financial safety net so you can operate with confidence.
Free Online Quote
Get a quote, choose your options, and buy your policy online in minutes. Once enrolled, you can access your certificate of insurance (COI), add additional insureds, and make a claim 24/7 via the online portal.
What Is Food Manufacturing Insurance?
Food manufacturers insurance protects you from liability claims related to your food or beverage business. This includes third-party injury and property damage, as well as product-related claims, like food poisoning or allergic reactions.
If your business is found liable, you could have to pay for medical bills, repair costs, legal fees, and more. Insurance for food manufacturers covers some or all of these expenses so you don’t have to pay out of pocket.
What Does Food and Beverage Manufacturing Insurance Cover?
Food liability insurance covers third-party claims related to your business operations. This includes:
If a customer slips and falls on some spilled liquid in your facilities, or you have a batch of produce that wasn’t washed properly and causes food poisoning, you can be held liable. Luckily, FLIP could help mitigate some or all of your financial responsibility.
How Much Does Insurance for Food Manufacturers Cost?
The cost of food manufacturing insurance starts at $25.92 per month or $299 per year. Factors like your business size, annual income, and location impact your final pricing.
The coverage you select also impacts your final cost. FLIP’s general liability policy includes essential protection — such as product liability insurance — but you can get even more coverage for an additional premium:
- Inland Marine (Tools and Equipment): from $8.25/month
- Trailer Endorsement: $12.50/month
- Cyber Liability: $8.25/month
- Professional Liability: $10.42/month
- Excess Liability: from $41.67/month
Who Needs Food Manufacturing Insurance?
- Commercial bakeries
- Dairy processors
- Beverage processors
- Pasta manufacturers
- Grain millers
- Snack food manufacturers
- Pet food manufacturers
If your industry isn’t listed, don’t worry! We may still cover your business. Contact us today for a quote.
Let's Talk About Numbers for Food Manufacturers Insurance
Food Manufacturers Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
General liability protects your food manufacturing business from common claims, including third-party injuries and property damage. FLIP also covers claims related to products, operations, advertising mistakes, and more.
Product Liability
Aggregate Limit: $2,000,000
As a food manufacturer, you’re open to risks associated with your products. If a customer gets a foodborne illness or has an allergic reaction, you may be responsible for covering the bill. Product liability insurance can absorb the cost of these claims.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
If your essential tools are broken or stolen, the loss could severely impact your ability to produce. FLIP’s food manufacturers insurance offers two options to fit your needs and protect your equipment from losses like these.
Damage to Premises Rented
Aggregate Limit: $300,000
No matter how careful you are, accidents can happen. Most commercial kitchen owners and event managers require you to carry liability insurance when you rent a space. Damage to Premises Rented covers property and fire damage for the spaces you rent for business purposes.
Why Food Vendors Choose Us
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 Food Production Insurance
Is Food Manufacturers Insurance Required by Law?
Food manufacturers insurance is not legally required in the United States. However, with increasing regulations and laws surrounding food production, the FDA strongly recommends that businesses carry food handling insurance that covers product liability claims.
How Do I Purchase Food Manufacturers Insurance?
- Head over to our online application
- Select your business type and gross annual income
- Add any optional coverages you need
- Get your free quote
- Check out and get your instant Certificate of Insurance (COI)!
