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3 3 Eligibility
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5 5 Quote

Food Liability Insurance

Sorry, we don't have availability to purchase it online, but we are working on it! In the meantime, please submit quote for underwriting and we’ll reach out with any remaining questions!


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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.





Limits of Insurance

General Aggregate Limit (Other than Products-Completed Operations) $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  


Tell us about you.



Physical Address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Mailing address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Business information

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Business name - Only letters (A-Z), numbers (0-9), & (ampersand), and - (hyphen) are allowed.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
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Let's find out if you are eligible.



Business type

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Application can no longer be completed online. Please contact us at 844-520-6993.

Claims History

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Application can no longer be completed online. Please contact us at 844-520-6993.
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Application can no longer be completed online. Please contact us at 844-520-6993.
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Application can no longer be completed online. Please contact us at 844-520-6993.
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Application can no longer be completed online. Please contact us at 844-520-6993.

Product Information

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Application can no longer be completed online. Please contact us at 844-520-6993.
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Application can no longer be completed online. Please contact us at 844-520-6993.
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Application can no longer be completed online. Please contact us at 844-520-6993.
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Select an option

This can be found by going to "My Policies" on your customer dashboard and then "Add Endorsemement".

  • Gross sales up to $50k for handmade beauty products = $135
  • Gross sales above $50k for handmade beauty products = $210
Application can no longer be completed online. Please contact us at 844-520-6993.
Select an option
Application can no longer be completed online. Please contact us at 844-520-6993.
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Please note that imported seafood, meat, poultry, and perishables (produce or dairy making up more than 20% of total sales) are excluded from product liability coverage, which means the policy cannot be purchased.
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Application can no longer be completed online. If you need Liquor Liability coverage, please click here
Select an option
Application can no longer be completed online. If you need Liquor Liability coverage, please click here

Terms & Conditions

Products and operations that are EXCLUDED in this policy:

  • Alcoholic beverages or products (includes serving, selling, or sub-contracting)
  • Animal/Livestock feed (this does not include pet products)
  • Any product requiring a prescription
  • Any product containing Cannabidiol (CBD), Hemp, or Hemp extract
  • 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 - produce 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

See policy for exact terms, conditions, and exclusions.

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Read Terms & Conditions
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Read company email, phone and electronic delivery statement



Select coverages options below.



Your application will be submitted for underwriting.
+ $100.00+ $8.33
+ $280.00+ $23.33
+ $551.00+ $45.92
+ $701.00+ $58.42
+ $851.00+ $70.92
+ $1,001.00+ $83.42
+ $1,151.00+ $95.92
+ $1,301.00+ $108.42
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

This coverage is for incidents such as fire, wind, hail, lightning, and theft. This coverage is for your tangible property, such as equipment, supplies, tools, or inventory.

Your application will be submitted for underwriting.
+ $54.00+ $4.50
+ $339.00+ $28.25
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Does not cover structures, buildings, or any item that is permanently installed to vehicles. The limit for Trailers, includes the trailer as well as installed equipment. $250 deductible applies per occurrence.

This endorsement extends your general liability coverage to your trailer while it is parked & separated from your vehicle. *Limitations apply*

Your application will be submitted for underwriting.
+ $150.00+ $12.50
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

If you host demos, lessons, or provide any kind of professional advice as part of your business, we highly recommend this coverage.

Your application will be submitted for underwriting.
+ $125.00+ $10.42
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Excess liability insurance increases your coverage limits for general liability.

Your application will be submitted for underwriting.
+ $500.00+ $41.67
+ $1,000.00+ $83.33
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

.

Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

Your application will be submitted for underwriting.
+ $99.00+ $8.25
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.




Add additional insureds.



When you add a person†, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

† Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

† A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

Food Liability - Additional Insured #{[{ $index + 1}]}(+$0.00)

Included with policy: Additional Insured, Waiver of Subrogation, Primary and Noncontributory.

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Email should not be the same as the policy's holder email
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Please only use the additional insured email and do NOT use the policy’s holder email
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Quote Summary

Policy Holder Edit

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Email:
Email:
Mobile number:

Mailing Address is the Same as the Physical Address
Mailing Address:
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Payment Information Edit

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Enrolled in EZ-Renew You are not enrolled in EZ-Renew
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Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

Food Liability Annual Policy

Monthly Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.
Edit

Limits of Insurance

General Aggregate Limit (Other than Products-Completed Operations) $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  

Policy Holder Business Information

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Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description

Business type

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Is your business type an LLC, a Corporation, or a Partnership/Joint Venture?
Does your LLC, Corporation, or Partnership/Joint Venture offer any non-food related services or products?

Claims History

Have you had any liability or business property claims resulting in losses in excess of $5,000 within the last five years?
Are you aware of any incident(s) that may result in a claim?
Have you or your company ever been involved in any legal dispute relating to the operations of your company?
Have you or your company ever been subject to local, state, or federal investigation relating to the type of business you are applying for?

Product Information

Are you in compliance with all County, State, and Federal Food and Safety Regulations?
Do you provide any additional services other than food products (e.g. health coaching or nutrition consulting)?
Do you add, or does your product contain, any vitamins, supplements, nutraceuticals, drugs, or medicines?
Are any of your products topical such as soaps, lotions, cosmetics, bath products, etc.?
I understand that I must add the Handmade Beauty endorsement after I purchase this policy in order to receive coverage for these products.

This can be found by going to "My Policies" on your customer dashboard and then "Add Endorsemement".

  • Gross sales up to $50k for handmade beauty products = $135
  • Gross sales above $50k for handmade beauty products = $210
Does your product promote, advertise, or claim to assist in cleansing, detoxing, weight loss, muscle building, meal replacement, or sexual enhancement?
Do you import any of your products?
What % of your products are imported?
Please note that imported seafood, meat, poultry, and perishables (produce or dairy making up more than 20% of total sales) are excluded from product liability coverage, which means the policy cannot be purchased.
What countries do you import from?
Are you providing/sub-contracting bartending services?
Are you serving/selling/providing any alcoholic beverages?

Terms & Conditions

Products and operations that are EXCLUDED in this policy:

  • Alcoholic beverages or products (includes serving, selling, or sub-contracting)
  • Animal/Livestock feed (this does not include pet products)
  • Any product requiring a prescription
  • Any product containing Cannabidiol (CBD), Hemp, or Hemp extract
  • 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 - produce 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

See policy for exact terms, conditions, and exclusions.

Check this box confirming you understand the above products are excluded in this policy
By checking this box, you certify that you are at least 18 years of age
By checking this box I accept the Terms & Conditions
Read Terms & Conditions
I agree to the following email, phone and electronic delivery statement
Read company email, phone and electronic delivery statement

Additional Insureds

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Unlimited Additional Insureds
Additional Insureds
{[{ ai.name }]}

Employees

Edit
{[{ employee.firstName }]} {[{ employee.lastName }]} + {[{ optionalCoverage.employeePrice|currency }]}

Independent Contractors

Edit
{[{ contractor.firstName }]} {[{ contractor.lastName }]} + {[{ optionalCoverage.independentContractorPrice|currency }]}

Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

Your agent will be contacting you soon. There is a pending document to be submitted.



Let's Get Your Business Covered!



Initial payment: {[{ firstPayment|currency }]}
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We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

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Credit card information

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Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

More Details

EZ-Renew

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-Renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

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Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and one of our licensed sales agents will contact you within 48 hours to complete your quote.
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

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Food Liability Annual Policy

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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DUE TODAY: (downpayment)

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

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