Get customized food liability insurance protection for your food and beverage company
ERGO NEXT makes it fast, easy and affordable for restaurants, caterers, cottage food vendors and other businesses to get tailored business insurance.
We’ll help you get business insurance to help protect you, your clients, your employees and your business
In about 10 minutes with ERGO NEXT you’ll get:
- A free quote specific to your business
- Coverage after online payment
- Sharable proof of insurance at no extra cost
- Access to your policy 24/7 via web or mobile app
ERGO NEXT specializes in food insurance for small businesses
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How food business insurance can help protect you
Business insurance can help financially protect against unexpected events and accidents like fire, injuries, theft, vandalism, power outages and more.
The two main food service insurance policies you should consider are:
General Liability insurance for food service
Food liability insurance could help cover medical costs if a customer gets hurt at your business or claims that your food made them sick.**
A food company insurance policy can also help cover some legal defense costs if your food or beverage business faces a lawsuit.
Learn more about general liability insurance.
Commercial Property insurance for food and drink production and retail
Cottage food businesses or small food businesses can buy property insurance to help protect their work space and/or retail space. This type of insurance can help cover costs for kitchen and production equipment and inventory, as well as other gear that’s housed at your business, such as furniture or laptops. Whether you own or rent, commercial property coverage can also cover some expenses around building repairs after a covered event, such as a kitchen fire, a rock through your window or a burst water pipe.
For food business owners, property insurance can also help replace your inventory or cover food spoilage after an equipment breakdown or power outage.
How much does food liability insurance cost?
You can save up to 25% when you buy food coverage insurance with ERGO NEXT. The exact price you pay varies based on a number of factors, including:
- The type of food and beverage business you operate
- The location of your business
- Your payroll and the types of jobs you do
- The vehicles you use at work
- Your claims history
- Your annual business revenue
Get a free quote to know exactly what your business will pay in about 10 minutes.
ERGO NEXT’s food and beverage insurance is fast, flexible and convenient
Fast
Get your policy in about 10 minutes and save up to 25%.
Flexible
Pay monthly or yearly, and share unlimited proof of insurance at no extra cost.
Convenient
Buy 100% online or talk to a licensed U.S.-based advisor.
Other important food insurance for small businesses
Workers’ comp insurance is required in almost every state if you have employees. It can help cover medical bills and lost wages if your employee suffers a work-related illness or injury — like if a cook burns their hand and needs to visit the ER. You can add optional business owner’s coverage to help protect yourself, too.
A commercial auto policy is required in most states for cars, trucks, trailers or other vehicles titled to your business. It can also help cover your personal car if you use it for deliveries or catering. This coverage can help accident-related expenses and repairs.
Restaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own.
Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.
It can also help to replace inventory, such as spoiled food after a power outage.
BOP insurance combines the coverage of both general liability insurance and commercial property insurance into a single policy that’s often more affordable.
It can also include business income protection if you’re forced to close for repairs temporarily after a covered event such as fire, theft or vandalism.
If you serve alcohol, your business could be held responsible if an overserved guest injures themselves, someone else or causes property damage. Liquor liability insurance, an optional add-on to general liability insurance for food businesses, could help you cover the costs of injuries, property damage, legal fees and medical payments.
If you run a cottage food company or a small food business that sells packaged food or drink products, product liability coverage — included with ERGO NEXT’s general liability insurance — could help protect your production business, restaurant or catering company if a customer claims your product caused them illness, injury or property damage.
Some policies can also help cover product recall or food contamination costs.
Employment practices liability insurance, also known as EPLI, could help pay some legal fees if you or someone at your business is accused of ADA violations, sexual harassment, discrimination or wrongful termination. EPLI is an optional add-on to general liability insurance at ERGO NEXT.
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Food business insurance FAQ
If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.
What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
