Ohio Food Liability Insurance
Get affordable food business insurance in Ohio today!
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Ohio Food Businesses We Cover
Ohio Food Business Insurance
If you hail from the home of White Castle and Wendy’s, good food is in your DNA. Ask 10 Ohioans where to eat and you’ll get 10 different answers, but none will leave you disappointed. Ohio features some fantastic fare from world-famous Cincinnati chili to delicious peanut butter and chocolate buckeye candies.
Are you a food professional hoping to cook up the next big thing in the Buckeye State? Then Ohio business insurance should be at the top of your shopping list.
Food Liability Insurance Program (FLIP) offers comprehensive general liability insurance for Ohio food businesses. Our base policy covers essentials like third-party bodily injury, property damage, and product liability.
If you need even more coverage, we’ve got you! You can customize your policy with optional add-ons, including:
- Cyber Liability: financial protection against cybercrime, like ransomware and data breaches
- Food Trailer Endorsement: extends your coverage to a trailer when it’s detached and parked
- Inland Marine (Tools and Equipment): helps pay to replace or repair stolen or damaged gear
- Professional Liability: covers your third-party claims related to your professional services, such as teaching a cooking workshop
- Excess Liability: increases your policy limits for more coverage
You’ll instantly receive a copy of your Certificate of Insurance (COI) when you buy your policy, plus you can view it any time via the online dashboard.
Liquor Liability Insurance in Ohio
Ohio dram shop law holds alcohol-related businesses responsible for the actions of intoxicated customers. If you accidentally overserve a patron or give alcohol to somebody underage, you could be liable if they cause injury or damages. Liquor liability insurance can help cover expenses like legal fees, medical bills, and property repair.
Ohio Food Truck Insurance
Before you participate in the Columbus Food Truck Festival or the Ohio State Fair, protect your business with food truck insurance. From slip-and-falls to grease fires, accidents can cost you big. Luckily, FLIP’s A+ rated Ohio business insurance can protect you from paying out of pocket when things go wrong.
Cottage Laws in Ohio
Ohio cottage laws allow you to prepare and sell foods like jam and candy from your home kitchen. If a customer trips on a rug in your home or has an allergic reaction to your products, you may be financially responsible. Ohio cottage food insurance can absorb some or all of the cost if you’re found liable.
Coast-to-Coast Coverage*
FLIP makes it easy to take your business on the road. Your policy follows you throughout the US, so you can dish up delicious food with confidence. Just make sure to follow local licensing and certification requirements wherever you set up shop.
*FLIP is not currently for sale in Missouri.
