• Cottage Food Law

  • Culinary Businesses

  • Food Carts

  • Food Distributors

  • Food Manufacturers


  • Food Trailers

  • Hot Dog Carts

  • Personal / Private Chefs

  • Pushcarts

  • Lemonade Concessions


  • Cake Makers and Decorators

  • Home Based Bakery

  • Home Food Business

  • Food Vendors & Caterers



The Food Liability Insurance Program was designed specifically for those in the food business and culinary business. The Food Liability Insurance Program provides commercial general liability insurance, inland marine and options for trailer coverage.  See below for a list of qualified food providers

  • Baked Goods

  • Bake Sale

  • Beverage Carts

  • Catering Concessions

  • Concession Trailers

Coverage Details


Purchasing insurance through the Food Liability Insurance Program you get a competitive insurance policy with low premiums. The Food Liability Insurance Program accomplishes this by using the purchasing power of a Risk Purchasing Group, because you are part of this group, acquiring insurance directly from a carrier, the cost savings are passed onto you.

Additional Tools



Request a Certificate

Risk Management

Workers Comp

Equipment Coverage

Coverage Includes Suits Arising Out Of:


  • Injury or death of customers

  • Property damage liability

  • Products liability coverage (completed operations)

  • All activities necessary to conduct activities

  • Ownership, use or facilities

  • General negligence claims

  • Cost of investigation and defense of claims, even if groundless

  • Corporal punishment


2010 - present

The Optional Coverages


Inland Marine Coverage

Designed to cover your business personal property like equipment, supplies or inventory. This does not cover structural property like a building.

Trailer Endorsement Liability Coverage

This liability coverage provides protection for trailer while parked on a premise.

Professional Liability

Add a Professional Liability endorsement if you teach classes or do demonstrations. Only applies if teaching, or doing demonstrations, is your secondary business. Must have a food product as your primary business.


2010 - present

How to Apply?

We offer two programs for Food Liability insurance. Read below to determine if one policy might be better for you than the other. If you need a more extensive coverage, please contact us for a quote.

Program A


If either of these characteristics describe what you need, apply for Program A.

  1. Standard policy offering  $1M per-occurrence $1M Aggregate with Higher Aggregate available.

  2. Instant Coverage

  3. Term options: 5 days or less, 6-14 days, 15-30 days, 1-6 months & annual options available

  4. Optional Coverages Available: Equipment, Excess Liability, Increased Aggregate Limits, Hired & Non-owned Auto.

  5. Please note that a $25.00 administrative fee will be added to all policies.

Starting at $50.00

Program B


If you would like a more detailed policy, apply for Program B.

  1. Annual Policy Package

  2. Policy comes standard with $2M Aggregate limits

  3. Instant coverage

  4. Certificates of Insurance

  5. Optional Coverage Available: Business Personal Property Equipment, Professional Liability, Trailer Endorsement

Starting at $350.00 (Premium 100% fully earned)

Get Started

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