How to Get Artisan Food and Beverage Coverage

The program covers food businesses such as food trailers, commercial kitchen renters, food trucks, farmers market vendors, caterers, personal and private chefs, concessionaires, and liquor liability.

Here is a partial list of the types of businesses covered under the program: Baked Goods, Bake Sale, Beverage Carts, Catering, Concessions, Concession Trailers, Cottage Food Law, Culinary Businesses, Food Carts, Food Distributors, Food Manufacturing, Food Trailers, Food Trucks, Hot Dog Carts, Personal/Private Chefs, Pushcarts, Lemonade  Stands, College Food Vendors & Caterers, Wedding Catering, Commercial Kitchens (Food Vendors), Greek Festivals (Food Vendors), Farmers Markets (Food Vendors), Food Festivals (Food Vendors), Expo Centers (Food Vendors), State Fairs (Food Vendors), County Fairs (Food Vendors), Swap Meets (Food Vendors), Cake Makers and Decorators, Home Based Bakery, Home Food Business, Vendor Insurance, Street Food, Vendors Gyro Stands/Carts, Snow Cone Shacks, Shaved Ice Stands,, Renaissance Festivals (Food Vendors), Medieval Festivals (Food Vendors) …

A partial list of the types of businesses that are not covered is: medical invasive products, suppositories, nutraceuticals, drugs, medicines, nutrition consulting, vitamins, nutritional supplements, tobacco related products, e-cigarettes, smokeless cigarettes, cosmetics, grocery stores and supermarkets, weight loss products, health and nutrition coaches, any product containing cannabidiol (CBD), hemp, or hemp extracts, baby food, energy drinks, and alcoholic beverages. This is a partial list. Please contact us if you have questions about other types of products.

For purpose of this coverage, “handmade” means you either made the product from scratch by hand yourself, someone under your control made the product from scratch by hand, or you purchased the unscented, unflavored and/or uncolored product in bulk and added your own scent, flavor and/or color and/or other additive, and the poured, packaged, and labeled the product yourself. If 80% or more of your products are “handmade” within this definition, then they qualify for coverage under this policy. If less than 80% of your products are NOT “handmade” within this definition, then you may qualify for the Non-Handmade Candles, Jewelry, Soap, Cosmetics (includes Topical Hemp CBD) program also described on this page.

If you are unsure as to whether or not your product is covered, please contact us.

Great American Insurance Group.

Veracity Insurance Services, Inc.

You can purchase coverage anytime, so long as you are a current member of the Indie Business Network. If you are not a member and you purchase or renew insurance through this program, it will be canceled unless the membership is brought current. A purchased policy will expire a year from the day it was purchased. While Indie Business Network membership and insurance are purchased separately, and you do not have to purchased them on the same date, we encourage you to purchase both on the same date so you do not have to track two renewal dates.

No.

No.

No. The new owner would have to procure their own coverage.

No, it simply adds to your benefits.

No.

No, but if this program is significantly insufficient for your commercial manufacturing and/or retail establishment, your premium may be higher.

Simply join Indie Business Network as a full member. After your membership dues are processed, you will receive a link to the page to secure your insurance. Complete the short form, submit payment, and your new insurance certificate will be emailed to you right away. It's that easy!

The policy is written through a Risk Purchasing Group (RPG), which provides each insured with their own dedicated limits. In addition, your policy will not have a deductible on the liability coverage. The policy provides general commercial and product liability coverage for your food vending business, and it includes inland marine coverage for your business's personal property. Building coverage is not included but can be purchased at an additional cost.

Immediately upon receipt of payment. You get your insurance certificate right away.

It will be emailed to you immediately after you purchase the policy.

You can simply log into our insurance portal using your username and password and add Additional Insureds at any time on your own and then print out your new certificate. There is no additional charge for this service!

Yes. The insurance program is one of the benefits of Indie Business membership and is only offered to our members.

The insurance is a benefit of membership in Indie Business Network. Join us, and you'll see that we're much more than an insurance portal!

No. Product liability insurance is a member benefit. Membership in Indie Business Network is $227/year. Insurance is priced separately as described above, depending on whether you purchase $1M or $2M in coverage. Once you join Indie Business Network or renew your membership, paying your membership dues, you will receive a link to get your product liability insurance.

Most questions about the product liability insurance coverage are answered here. If you have a question that is not answered here, please contact us at support@indiebusinessnetwork.com.