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Virginia Food Businesses We Cover
Virginia Food Business Insurance
From the ever-resourceful Appalachian community to waterfront towns and their bountiful ocean and rivers, Virginia is home to plenty of delicious fare. The state offers a smorgasbord of yummy eats, including fresh oysters, irresistible BBQ, and wholesome peanuts.
If you operate a food truck, food cart, or other small food business in Virginia, general liability insurance offers an essential safeguard. Food Liability Insurance Program (FLIP) provides comprehensive coverage for those unexpected bumps in the road.
Our base policy covers common claims, including third-party bodily injury and property damage. You can also add unlimited additional insureds at no extra cost, protecting you and your partners from costly accidents.
FLIP’s customizable policies allow you to choose the right coverage to fit your business needs. Options include:
- Tools and Equipment Coverage
- Cyber Liability
- Professional Liability
- Liquor Liability Insurance
- Excess Liability
You can also view, renew, and make changes to your policy 24/7 via the online dashboard, so you can manage your policy when and how it’s convenient for you.
Virginia Food Insurance Coverages
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
Cottage Food Laws in Virginia
According to local cottage food laws, Virginia residents can produce and sell food from their home kitchens. Certain low-risk products, including baked goods, candies, and jams, are exempt from periodic inspections and annual fees. All items require proper labeling before sale.
If you’re selling homemade food in Virginia, you can protect your business with cottage food insurance. A broken stove or a customer getting food poisoning from your famous blueberry muffins could result in expensive claims. FLIP offers essential coverage to reduce or eliminate your out-of-pocket costs.
Virginia Food Trucks
Do you operate a food truck or trailer? We have you covered with general liability insurance for Virginia food businesses. FLIP is here to help when problems arise, like accidental injuries and allergic reactions. Whether you’re heading to the state fair or the next food festival, we protect you from the speedbumps you may hit along the way.
Coast to Coast Coverage
FLIP is licensed nationwide.* Whether you move to the next town or across the country, your policy sticks with you. Always review licensing and certification guidelines to ensure your business meets all local requirements.
*FLIP is currently unavailable in Missouri
