1 1 Policy options

2 2 Additional insureds

3 3 Payment, Review & Submit

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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)

Additional insured's name

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Additional insured's type

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Additional insured's email

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Please enter valid email address

Email should not be the same as the policy's holder email

Minimum length required

Please only use the additional insured email and do NOT use the policy’s holder email

(If an email is not provided no certificate will be sent to the event. You will be responsible for providing the certificate to the additional insured/event.)

Additional insured's street address

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Minimum length required

Additional insured's address line 2

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Minimum length required

Additional insured's city

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Minimum length required

Additional insured's state

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Additional insured's zip code

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Invalid ZIP code

Minimum length required

Payment information

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

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

Switch to annual

Pay

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Credit Card

[selected]

Credit card information

Payment profile

Use different credit card

Card number

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Invalid credit card number

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.

Expiration month

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Expiration year

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CVV

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Billing zip code

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Invalid ZIP code

Use this card later

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.

Auto renew

Enroll to EZ-Renew

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

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.

Order summary

Policy Holder Edit

, ,

Email:

Mobile number:

Mailing Address is the Same as the Physical Address

Mailing Address:

, ,

Payment Information Edit

Payment Method:

Enrolled in EZ-Renew You are not enrolled in EZ-Renew

Edit Enroll

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. I acknowledge that I reject the automatic renewal option and take sole responsibility for manually completing the renewal process through my client dashboard.

Indie 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 then 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

Business Personal Property / Inland Marine Limit (Max per item / Annual Aggregate)

$5,000/$10,000

Business Personal Property / Inland Marine Deductible (Per Occurrence)

$250

Professional Coverage Extension

Each Claim

Aggregate

Not Purchased

Professional Coverage Deductible

Not Purchased

Policy Holder Business Information

Edit

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

IBN Membership

Edit

Do you have a current IBN membership?

Please double check your records to confirm that your IBN membership is current. If it is not, the policy is subject to cancellation due to failure to comply with underwriting guidelines.

Claims History

Edit

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

Edit

Are you in compliance with all County, State, and Federal Food and Safety Regulations?

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 Food Liability + Handmade Beauty Product 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 for handmade beauty products below $50k = $135
Gross sales for handmade beauty products above $50k = $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

Edit

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

I agree to the following email, phone and electronic delivery statement

Additional Insureds

Edit

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 }]}

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Monthly Annual

You have selected a monthly payment plan. This is how much you will pay per month.

You have selected an annual payment plan. This is how much you will pay annually.

Order total

Indie Food Liability Annual Policy

Policy Endorsements

Additional insureds

Unlimited

Cancel unlimited AIs

Coverage for Employees

Coverage for Independent Contractors

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monthly

annually

monthly

^{DUE TODAY:} ^{(downpayment)}

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

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

Aggregate Claims-Made Liability Coverages Limit of Insurance	$100,000
Privacy and Network Security	$100,000
Regulatory Fines and Penalties	$100,000
Ransom Payment	$10,000
Cyber Deception	$10,000
Deductible	$1,000

Policy effective dates

Policy options

Limits of Insurance

Account setup

Policy holder information

Physical Address

Mailing address

Business information

IBN Membership

Claims History

Product Information

Terms & Conditions

Additional insureds

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

Payment information

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

Pay

Credit card information

Order summary

Policy Holder Edit

Payment Information Edit

Indie Food Liability Annual Policy

Limits of Insurance

Policy Holder Business Information

IBN Membership

Claims History

Product Information

Terms & Conditions

Additional Insureds

Employees

Independent Contractors

Order total

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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

Policy effective dates

Policy options

Limits of Insurance

Account setup

Policy holder information

Physical Address

Mailing address

Business information

IBN Membership

Claims History

Product Information

Terms & Conditions

Additional insureds

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

Payment information

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

Pay

Credit card information

Order summary

Policy Holder Edit

Payment Information Edit

Indie Food Liability Annual Policy

Limits of Insurance

Policy Holder Business Information

IBN Membership

Claims History

Product Information

Terms & Conditions

Additional Insureds

Employees

Independent Contractors

Order total

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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

Sign Here

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

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

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