Our food liability insurance policies are A+ rated and provide the comprehensive, customizable coverage food business owners need to protect their livelihood. Starting at just $299 a year, our policies are an affordable and effective way to protect your business from the crippling cost of claims.

Things we cover

Your food cart faces a unique set of risks that require a unique set of coverage. FLIP’s food truck insurance program provides food business owners like you with the customizable, comprehensive coverage your need to protect yourself and your business from the cost of claims.

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General Liability

Occurrence Limit: $1M

Aggregate Limit: $2M

General liability can protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Product Liability

Occurrence Limit: $1M

Aggregate Limit: $2M

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Inland Marine

Occurrence Limit: $5,000

Aggregate Limit: $10,000

Deductible: $250 / occurrence

Inland marine coverage can protect your business from the cost of repairing or replacing broken or stolen business equipment. FLIP’s cottage food law insurance policy offers two coverage options for inland marine that you can choose according to your business needs.

Damage to Premises Rented

Occurrence Limit: $300,000

Aggregate Limit: $300,000

If you rent a space to do business, like a commercial kitchen, or participate in events, you need insurance that protects you from potential damages that might occur there. What’s more, property owners and event organizers may require you to include them as an additional insured on your policy. FLIP provides unlimited additional insureds at no extra cost.

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Additional Policy Options


If your business teaches courses or runs demonstrations as part of your operation, you may want to include professional liability insurance. Professional liability is designed to protect your business from the cost of negligence claims that arise from errors and omissions made, poor advice given, and more.

Cyber Liability

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.


you can increase your limits to a maximum of $3 million per occurrence with a $4 million aggregate limit. Increased limits for inland marine coverage are also available to a maximum of $10,000 per occurrence with a $50,000 aggregate limit.


Trailer endorsements extend your liability coverage to your trailer. If you use a trailer as part of your business operation, we strongly recommend this additional coverage option.

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  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage
  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

Coverage Details:

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/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible $250 Optional

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at

Contact us

260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992


"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN