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Festival Network Online

August 2012

Show and business insurance is a touchy subject with many ins and outs. This month's article gives you tips to make the right decisions when it comes to insurance, based on the experience of experts!

Have you listed any items in the FNO Marketplace yet? Now you can sell your packaged food products online through FNO! It's free to list your items, complete fee information is listed here.

Happy cooking!
FNO Newsletter Editor

Don't Rely on Your Homeowners Insurance
by The FLIP writing team at

There is a common misconception that homeowners insurance policies will cover your business personal property while in your home or garage. The reality is that not only does homeowners insurance exclude business personal property, but any claims derived from business pursuits could jeopardize other important coverage provided by your homeowners insurance.

Whether you operate as a food vendor, food truck, or hot dog cart it is important to purchase a separate property and liability insurance policy to cover your business operations. Without the right insurance, a burn, trip and fall, food allergy, or food poisoning could put you and your personal assets at risk.

There are specific policies designed for food vendors on the market and we understand it can be confusing to compare the difference. We hope that some of these tips provided will help you with your next insurance purchase:

1. General Liability and Product Liability. You will want to verify that the policy you are purchasing includes both General Liability and Product Liability insurance. General Liability will cover claims such as a slip & fall, whereas Product Liability responds to claims caused by your food/product. By purchasing a policy with both coverages you will have the broadest protection for your food business.

2. Blanket Additional Insured. Most farmers markets and other venues require you to name them as an Additional Insured on your policy. This protects the venue from any lawsuits against them due to your negligence. If you don't have a blanket Additional Insured endorsement on your policy, the insurance company may charge you for each one added. What seemed to be an inexpensive policy initially can become very expensive due to the Additional Insured requirement of the venues.

3. Unacceptable Food/Products. Many insurance companies exclude specific foods and/or products, so it is important to confirm that your product is covered under the food liability policy you are purchasing. If your food/product is on the excluded list, then you will be paying for nothing!

4. Business Personal Property/Inland Marine. Business Personal Property covers property at a specific location (office or home), whereas Inland Marine will cover your property anywhere within the United States. Since your food business requires you to be mobile, it is better for you to purchase Inland Marine coverage to properly cover your property. With many policies this is an addition to the General Liability coverage, but some food vendors insurance policies include up to $5,000 Inland Marine coverage with options to purchase higher limits if needed.

Not all insurance policies are created equal and it is important to understand what you are purchasing to protect your business and personal assets.

Article provided by: FLIP's writer team.

Food Liability Insurance Program (FLIP) is designed by Veracity Insurance Solutions, LLC and offers general & product liability insurance for food vendors that can be purchased online at

Get a Link to Your Page in Our Members Link!

Pro Members! If you have a website or blog and link to, we will link to your site on our Member's Links page!

The Member's Links page is a great way to get more traffic and exposure to your site. It's a total win-win.

Before getting in touch to swap links, visit your 'My Account' area and click 'Affiliate Tools' on the right to get your code for linking to FNO. Once the link to FNO is live on your site or blog, let Julie know to get added. Be sure your website is listed in your 'modify profile' area. Also, if you do not see 'affiliate tools' in your account area, that means you are not a Pro Member or an affiliate, just get in touch to get started.

Featured Food Vendor:

FNO Marketplace:

Don't let deadlines fly by - Check our deadline reminders page!

Let Us Pay You!

We have a brand new Affiliate Widget page! Our new widget page gives you options with your specialized FNO Affiliate Number already in the code. We have tons of widgets to choose from, and have made it easier than ever to use. You can also access this page in your account by clicking on My Account, then click on your listed affiliate number.

Word of mouth is the best form of advertising, and we'd like to thank you for spreading the word about FNO. You could be earning extra cash just by referring fellow vendors or festival participants to FNO

Quick info about our affiliate program:

  • We pay $5 for each new pro member you send our way.
  • We pay quarterly via Paypal.
  • You may apply your affiliate credit towards next year's renewal.
  • Referrals can come in via word of mouth or through special tracking links you use in emails or online.
Be sure to hand people your business card or a custom FNO Affiliate Flyer when you refer them to be sure you get credit when they join as a Pro Member. If you want to learn more, go here - where you can print your own flyers to hand out (to do this, you must have an affiliate number, all Pro Members automatically have one, if you are a free member, you must request one).

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