Food Liability Insurance

This policy provides liability coverage to safeguard food businesses such as vendors, caterers, food trailers, and more.

What does the policy include?

The policy includes general liability, products-completed operations, personal and advertising injury, damage to premises rented, and inland marine coverage.

How much is the premium?

GL Annual policy starts at $350.

Is there a deductible?

There is no deductible for general liability claims. Inland marine claims have a $250 deductible.

Eligible classes of business

  • Baked Goods
  • Bake Sales
  • Beverage Carts
  • Catering
  • Concessions
  • Concession Trailers
  • Cottage Food Law
  • Culinary Businesses
  • Food Carts
  • Food Distributors
  • Food Manufacturers
  • Food Trailers
  • Food Trucks
  • Hot Dog Carts
  • Personal/Private Chefs
  • Pushcarts
  • Lemonade Concessions
  • College Food Vendors & Caterers
  • Wedding Caterers
  • Commercial Kitchens (Food Vendors)
  • Greek Festivals (Food Vendors)
  • Farmers Markets (Food Vendors)
  • Food Festivals (Food Vendors)
  • Expo Centers (Food Vendors)
  • State Fairs (Food Vendors)
  • County Fairs (Food Vendors)
  • Renaissance Festivals (Food Vendors)
  • Medieval Festivals (Food Vendors)
  • Swap Meets (Food Vendors)
  • Cake Makers and Decorators
  • Home Based Bakeries
  • Home Food Businesses
  • Street Food Vendors
  • Gyro Stands/Carts
  • Snow Cone Shacks / Shaved Ice

Excluded operations

The excluded operations for the policy are the following:

  • Alcoholic beverages or products (includes serving, selling, or subcontracting)
  • Animal/Livestock feed (this does not include pet products)
  • Any product requiring a prescription
  • Baby food
  • Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
  • Companies/Operations not in compliance with county, state, and federal food and safety regulations
  • Diet products or cleanses or pills marketed as a 'weight loss' product
  • Energy drinks
  • Grocery store or supermarket retail operations owned or operated by the insured
  • Health coaching
  • Importers - product or dairy making up more than 20% of total sales
  • Importers - seafood, meat, poultry
  • Kava
  • Kombucha
  • Medical invasive products - intended to stay within body
  • Nutraceuticals, vitamins, supplements, suppositories or products containing pharmaceuticals, drugs or medicines
  • Nutrition consulting
  • Owner or operator of a food court / storefront
  • Restaurant, cafe, bakery, tavern, or similar establishment, with operations where you own or lease the space where customers enter to purchase food/beverages
  • Tobacco related products including e-cigarettes and smokeless products
  • Topical products including soaps, lotions, and bath products

Coverage Details

This policy provides commercial general and product liability coverage for food vending businesses, and it includes inland marine coverage for business personal property.

GL Annual Insurance Policy Information

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 (Any One Premises)

$300,000

Liability Deductible

NO DEDUCTIBLE

Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)

$5,000/$10,00

Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible

$250 DEDUCTIBLE

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