Food liability insurance is insurance for people in the food industry that protects them from claims they caused harm to someone with their product. It isn’t something that people think about unless they have a use for it.
There are many types of businesses that are required to carry food liability insurance, including grocery stores.
This can leave many businesses in the food industry searching for the best food liability insurance they can find. It’s likely you’ll need to get multiple quotes or even work with an insurance broker to find the best food liability insurance for your particular company.
Here are 4 kinds of food-based businesses that can benefit from the best food liability insurance they can find.
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Restaurants
Restaurants are in the business of serving food. The best food liability insurance helps protect the business from frivolous lawsuits by past customers. Food liability insurance covers any medical costs associated with an illness that requires medical care due to potential food hazard claims made by a customer.
Food Trucks
Food trucks serve food from multiple locations but must still follow safe-handling instructions. If a past customer becomes sick or suffers property damage from the food truck, the best food liability insurance will cover those expenses. It helps ensure customers who may have suffered damage get the medical care they need and protects the food truck from costly expenses that could close them down.
Caterers
Catering companies must carry the best food liability insurance they can purchase to protect their business and their customers. They have a duty to provide high-quality food for special events, and many times, they must also serve it. Food liability insurance helps protect caterers if a customer or party attendee unexpectedly gets sick.
Home Bakeries
It’s necessary for home-based bakeries to carry the best food liability insurance they can afford. Whether they operate a small side gig or a full-time business from their home, food liability insurance protects the business owner and the customers who make purchases.
What Food Liability Insurance Covers
The best food liability insurance helps protect businesses that serve food from claims that customers became ill after eating the food they served. It typically pays for associated medical costs when the claimant seeks medical intervention for their illness. Many businesses purchase general liability coverage, and comprehensive policies can sometimes include food liability insurance. However, larger businesses often purchase 2 separate liability policies to ensure they have adequate coverage.
The Best Food Liability Insurance Coverage
With a little legwork, you can find the best food liability coverage for your food-based business. Whether you work in catering or food service, a food liability insurance policy will help protect your business and your customers. It may be necessary to get multiple quotes or work with an insurance broker to find the best food liability insurance coverage for your business, including a single or two liability policies. The best food liability insurance coverage will help ensure your business is compliant with state law while giving you the most bang for your buck.
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