Pet Food Manufacturing Insurance
Affordable pet food insurance in 10 minutes or less.
Benefits of Pet Food Business Insurance
Fast and Secure Online Purchase
Purchase your policy, view your documents, access your certificate of insurance, and add additional insureds—any time, anywhere.
Free and Unlimited Additional Insureds
Need to add someone to your policy? Food Liability Insurance Program (FLIP) offers unlimited additional insureds free of charge, so you can add a commercial kitchen, farmers market, or other party whenever you need to.
Custom Protection for Your Business
Select additional coverages, choose your limits, and personalize your policy to suit the unique needs of your business.
What Is Pet Food Liability Insurance?
Insurance for pet bakers is a policy designed to respond to claims that may occur in your day-to-day operations, such as:
- A pet getting sick from one of your treats
- Damaging the property of the commercial kitchen you rent to prepare your treats
- A major storm causing your kitchen to flood, ruining your baking equipment
- Etc.
Without insurance for your pet bakery, you could end up in the financial doghouse. Liability claims and lawsuits could even put you out of business. FLIP helps your pet bakery keep tails wagging with affordable general liability insurance.
It’s easy to apply online, and you get coverage the moment your payment is received. We also offer free, unlimited additional insureds for pet bakeries participating in events like dog shows, bake sales, or festivals.
Enjoy the peace of mind that comes from having liability coverage from FLIP. Purchase your policy today and download your proof of insurance instantly!
Let's Talk About Numbers for Pet Bakery Insurance
Pet Bakery Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Safeguard your home-based pet treat business from the costs of third-party bodily injury and property damage claims. This insurance can also protect you against products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2,000,000
Just like any other food business, your pet bakery is at risk for claims related to foodborne illnesses, unlabeled allergens, and more. This coverage can protect you from shouldering those claims alone.
Tools &Equipment
Aggregate Limit: $10,000
Your bakery equipment is expensive. Protect it in case it is stolen or damaged with Tools and Equipment coverage.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space such as a commercial kitchen or event booth, this coverage will protect you from the cost of property damage claims. Many event organizers and property owners will require you to list them as an additional insured before you rent a space, which is why FLIP offers you 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 / Tools and Equipment Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Tools and Equipment Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Pet Food Manufacturers Insurance
How Much Does Pet Bakery Insurance Cost?
The cost of FLIP’s liability insurance for pet food businesses starts at $25.92 per month and $299 per year. However, there are coverage options that you may add to your policy for an additional premium.
For example, you may choose to increase your business personal property coverage limits if you have expensive equipment. With FLIP, you can structure the insurance you need to the type of business you operate.
Do I Need Pet Bakery Insurance?
Without insurance, you and your pet bakery business could be financially devastated if a pet becomes ill after eating your treats, if you damage somebody’s property, or if your equipment is stolen or damaged. Anyone who bakes and sells pet treats needs pet bakers insurance to protect their business from these kinds of claims and related defense costs.
FLIP insurance is portable and is not specific to any one location. If you will be vending at a dog show or farmers market, your policy follows you there.
If you are a pet groomer, pet sitter, or other type of pet care business, you may need additional insurance. Our partner, Pet Business Insurance (PCI), offers general liability insurance for pet businesses.
