Food Business Liability Insurance
All-in-one protection from prep to plate for food and beverage businesses.
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What Is Food Business Liability Insurance?
Food business liability insurance protects your business from accidents that happen because of your products, your operations, or just the day-to-day hustle.
With our policy, you’re covered for:
✅ Customer injuries
✅ Accidental damages
✅ Food-related illnesses
Plus, you get unlimited additional insureds at no extra cost, making it easy to show proof of insurance and book gigs, attend events, or get your product on shelves.
Exclusive Food Trailer Coverage
We’ve partnered with Food Liability Insurance Program (FLIP) to offer exclusive access to their food trailer coverage.
Policies Made-to-Order
Create a policy as unique as your business. Add coverage for your gear, services, or online orders to fit your exact needs.
Instant Certificate of Insurance
Get proof of insurance within minutes, so you’re always ready when a venue, market, or partner requires coverage.
Liability Insurance for Small Food Businesses
Whether you run a food truck, a catering business, or a home-based bakery, we offer affordable insurance that covers (almost) any food business!
Don’t see your business here? Our licensed insurance agents can help tailor a policy just for you.
How Much Does Insurance for a Small Food Business Cost?
Small food business insurance starts at just $25.92 per month, or $299 per year. Your price depends on factors like your annual revenue, coverage limits, and any extra coverage options you choose.
What’s Included in Food Liability Insurance?
Your policy comes with essential general and product liability coverage, plus additional coverages to give you complete protection:
- General Liability Insurance: Covers injuries (to someone other than you or your employees) and property damage caused by your business operations
- Product Liability Insurance: Covers harm caused by your food products, including foodborne illnesses
- Personal and Advertising Injury: Covers claims involving reputational damage or advertising errors
- Damage to Rented Premises: Covers damage to spaces you rent for your business operations
Choose from a variety of optional add-ons to enhance your policy and customize your coverage to fit your business’s unique needs:
Small Food Business Insurance Limits
General & Product Liability Limits
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of an accident at your business location, caused by your equipment, or your daily operations.
$2,000,000
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your business operations.
$1,000,000
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of the food you serve or products you sell, even after you’ve handed them off.
$2,000,000
This is the total amount your policy may pay out over a year for claims where someone says you hurt their reputation or violated their rights (not physically). That could include things like:
-Saying something that hurts their reputation (slander or libel)
-Accidentally using someone else’s ad idea
-Wrongful eviction or entry
-Holding someone without cause
-Malicious prosecution
$1,000,000
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Good news: there’s nothing you have to pay out of pocket before liability coverage kicks in.
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Also known as inland marine insurance, this is the most your policy may pay (per incident / per year) to repair or replace stolen or damaged gear, equipment, or supplies (excluding items attached to your trailer or vehicle).
$5,000/$10,000
If you file a claim for damaged or stolen equipment, this is the amount you’ll need to pay before your insurance helps cover the rest.
$250
Questions About Liability Insurance for Food Businesses
You need food services insurance to protect your business from costly claims like accidents, injuries, or product liability issues. It’s a vital protection that keeps your business safe from claims while helping you meet common contract requirements and customer expectations.
The two most common types of insurance you need to make food are general liability and product liability insurance.
These basic policies cover many of the common risks your business may face. Optional coverages, like liquor liability or tools and equipment, may be added based on your specific needs.
You absolutely need insurance if you operate a food truck or pop-up stall! Most events require proof of insurance before you can start serving. Without it, you might have to forfeit your spot at an event.
Food trucks and pop-up businesses also face unique risks, such as slip and fall accidents in a booth or customers getting sick. Our insurance gives you the protection you need to continue serving your food with peace of mind.
If a customer claims food poisoning from something you’ve served, product liability insurance can cover medical costs, legal fees, and damages. Your medical expense limit also helps cover treatment costs, no matter who’s at fault.
If your food business serves alcohol, you’ll need liquor liability coverage in addition to a general liability policy. This protects you from accidents or injuries related to alcohol consumption, such as intoxicated customers causing harm to others.
It’s crucial you carry both types of liability coverage to protect your business from accidents that happen from your day-to-day operations to the alcoholic beverages you serve.
“Certified Fresh” by Small Biz Owners Like You
Here's what some of our over 14,700 customers have to say about their experience.
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025