South Dakota Food Liability Insurance
Cover your food business in South Dakota today with Food Liability Insurance Program (FLIP)!
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South Dakota Food Businesses We Cover
South Dakota Food Business Insurance
The Mount Rushmore State is home to food as iconic as its presidential landmark. From shish kebab-like chislic to custard-filled kuchen to the sweet dipping sauce wojapi, South Dakotans incorporate the flavors of their German-Russian and Sioux heritage into their cuisine.
South Dakota is also home to a wide variety of food vendors, from caterers to concessionaires and everything in between. No matter what kind of cuisine you serve in South Dakota, food business insurance from FLIP can keep your finances secure in the event of an unexpected claim.
A+ rated general liability coverage can be yours starting at just $25.92 a month, safeguarding your business from costly third-party property damage and bodily injury claims.
Need more coverage? No problem. Expand your policy with optional add-ons, including:
- Tools and Equipment (Inland Marine): can cover the cost of repairing or replacing stolen or damaged business equipment
- Food Trailer Endorsement: extends your general liability coverage to your trailer when it’s parked and detached from your vehicle
- Cyber Liability: can provide coverage for claims related to cybercrimes such as phishing, malware, and data breaches
- Product Liability: can cover claims stemming from the food or beverage products you make, sell, or distribute
- Professional Liability: can respond to claims related to professional services you provide, including cooking workshops or classes
Liquor Liability Insurance in South Dakota
If you run a business in South Dakota where you sell, serve, or provide alcohol to customers, liquor liability insurance is critical. General liability insurance will not respond to alcohol-related claims, such as an intoxicated patron destroying part of the venue’s property at an event you’re catering.
Liquor liability insurance responds to claims like these and can cover expensive alcohol-related accidents, including legal fees, medical bills, and property repairs.
Food Truck Insurance in South Dakota
Planning to park your truck at a food truck festival in Sioux Falls this year? Make sure you’re protected against third-party bodily injury and property damage claims with food truck insurance from FLIP. You’ll even get a same-day Certificate of Insurance (COI) to share with festival organizers!
South Dakota Cottage Food Law
South Dakotans are permitted to sell food made in their homes so long as they meet a few regulatory requirements, which include passing a Department of Health-certified online training once every five years and labeling each food product sold.
Cottage food insurance is an important part of running a home-based food business because it protects you from common claims, including a customer getting a foodborne illness from something you made and suing you to cover their medical bills and lost wages.
South Dakota Food Insurance Coverages
Coast to Coast Coverage*
Did you know that your FLIP policy can cover incidents that occur in any state? It’s true! Whether you’re participating in a festival one state over or moving your business across the country, FLIP can protect you if you follow the licensing and certification requirements of the state you do business in.
*FLIP is not currently for sale in Missouri
