Rhode Island Food Liability Insurance
Get the best business insurance for your food or beverage business in Rhode Island in 10 minutes or less!
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Rhode Island Food Businesses We Cover
Rhode Island Food Business Insurance
With local delicacies like quahog clams, delectable oysters, and decadent lobster, Rhode Island is small but mighty when it comes to amazing seafood.
Food vendors are serving up delicious dishes from Providence to Newport. If you’re a food truck operator or caterer, you need Rhode Island business insurance. Food Liability Insurance Program (FLIP) offers comprehensive coverage that protects food vendors just like you.
Our general liability insurance covers claims like third-party bodily injury and property damage, mitigating or eliminating your out-of-pocket responsibility. Accidents happen, but FLIP offers a financial safety net.
In addition to our general liability insurance, Rhode Island food pros can select optional coverage for every business need.
- Inland Marine (Tools and Equipment Coverage): pays to repair or replace your business-critical gear if it’s broken or stolen
- Trailer Endorsement: extends coverage to your trailer when parked and detached from your vehicle
- Cyber Liability: protects you in the event of cybercrime, like ransomware or data breaches
- Professional Liability: covers your professional services
- Excess Liability: increases your coverage limits to meet your business needs
Rhode Island Food Insurance Coverages
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
Rhode Island Cottage Food Laws
Rhode Island cottage food law allows you to prepare and sell certain foods from your home kitchen as long as you meet the state requirements, including registering and paying a fee.
You need cottage food insurance if you have a home-based food business in Rhode Island. If a customer has an allergic reaction to your banana-nut muffins or gets food poisoning from your fruit pies, you may be financially responsible.
FLIP can cover some or all of those costs, so the only thing you have to worry about is keeping your sourdough starter alive.
Food Trucks in Rhode Island
If you’re taking your food truck to one of the many local food festivals this year, you need food truck insurance to protect your business. Our Rhode Island small business insurance allows you to focus on cooking up great grub instead of worrying about what could go wrong.
Rhode Island Liquor Liability Insurance
Are you a bartender or caterer that serves alcohol?
FLIP offers liquor liability insurance that safeguards your business from claims related to serving, selling, or manufacturing alcohol. If an intoxicated customer injures somebody or causes property damage, your policy can help cover expenses like legal fees, medical bills, and repair costs.
Coast to Coast Coverage
From Rhode Island to New Mexico, FLIP protects your food business just about anywhere the road takes you.* Before you set up shop in a new town, make sure you learn the local laws and regulations to keep your business compliant.
*FLIP is not currently available in Missouri.
