Insurance FAQs
What Is FLIP Insurance?
FLIP is the most trusted name in food and beverage business insurance, providing you with the coverage you need to protect your operation from the financial cost of claims.
How Much Does Food/Beverage Insurance With FLIP Cost?
A FLIP policy starts at $25.92 per month or $299 per year. This is the base price and can fluctuate depending on these factors:
- Which state you operate in
- Your business’ gross annual sales
- Which coverages you include
- The coverage limits you need
Learn More About the Cost of FLIP Insurance
What Makes FLIP So Affordable?
FLIP is able to keep its prices low with a completely online process and US-based agents who don’t make commission. That way, you never have to choose between quality coverage and a great price!
How Do I Get a Policy With FLIP?
You can get a FLIP policy online in 10 minutes or less by simply following these steps:
- Start your application
- Select your business type and gross annual income
- Add any optional coverages you need
- Get your free quote
- Finish checking out and get your instant Certificate of Insurance (COI)!
What Types of Insurance Does FLIP Offer?
FLIP offers the following coverage types to food and beverage businesses:
- General Liability
- Product Liability
- Professional Liability
- Tools and Equipment (Inland Marine)
- Cyber Liability
- Liquor Liability
- Food Trailer Endorsement (exclusively offered by FLIP)
- Workers’ Compensation
Who Qualifies For FLIP?
FLIP Insurance is designed for individuals and companies in the food/beverage vending business, including:
- Bakers
- Bartenders
- Caterers
- Commercial Kitchens
- Farmers Market Vendors
- Food Carts
- Food Festivals
- Food Trailers
- Food Trucks
- Home Food Businesses
- Personal Chefs
- Vendors
Whether you make, sell, or distribute a food product, you are qualified for FLIP insurance as long as you aren’t selling any of the excluded products listed below, and your gross annual sales are under $1,000,000.
If your gross sales are over $1,000,000, please contact us for additional options.
Excluded Products and Operations
- Alcoholic beverages or products (includes serving, selling, or subcontracting)*
- Animal/livestock feed (this does not include pet products)
- Any product requiring a prescription
- 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
- Medical invasive products – intended to stay within the body
- Nutraceuticals, vitamins, supplements, suppositories, or products containing pharmaceuticals, drugs, or medicines
- Nutrition consulting
- Owner or operator of any fixed/permanent location
- 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
- Any product containing cannabidiol (CBD), hemp, or hemp extract
See policy for exact terms, conditions, and exclusions.
*Alcohol-related coverage is only available through our liquor liability insurance program.
Who Is the Insurer/Carrier?
Great American Insurance Group is the insurer for all FLIP policies and has offered comprehensive coverage to U.S. businesses for over 150 years. Today, they are ranked among the top carriers in the country and hold a prestigious A+ financial rating from AM Best.
What Is General Liability Insurance?
General liability insurance protects your food or beverage business from the cost of third-party injury and property damage claims.
What Is Product Liability Insurance?
This coverage is intended to protect you from the financial risks associated with food poisoning and unlabeled allergen claims.
What Is Inland Marine Insurance?
Inland marine insurance is designed to cover business equipment, materials, or products that are not fixed to any one specific location.
Am I Protected Against Food Poisoning Claims?
Yes, product liability insurance can protect your business from the costs associated with food poisoning and unlabeled allergen claims.
The base FLIP policy contains product liability insurance, so you could receive coverage for a claim like this.
Can I Add a Trailer Endorsement?
Yes! You can add a trailer endorsement while filling out your application or afterward from the convenience of your user dashboard.
FLIP is the exclusive provider of the Food Trailer Endorsement, which extends your general liability insurance coverage to your trailer while it is parked on-premises and detached from the towing vehicle.
Do You Offer Commercial Auto Coverage?
No, FLIP does not offer commercial auto insurance at this time.
Do You Offer Restaurant Insurance Coverage?
No, FLIP does not offer restaurant insurance coverage at this time.
What Are The Policy Limits?
General Liability Aggregate Limit – $2,000,000
Products & Completed Operations Aggregate Limit – $2,000,000
Personal & Advertising Injury Limit – $1,000,000
General Each Occurrence Limit – $1,000,000
Damage to Rented Premises Rented to You (Any One Premises) – $300,000
Liability Deductible – No Deductible
Business Property / Inland Marine Limit (Any One Article / Aggregate) – $5,000/$10,000
Business Property / Inland Marine Limit (Per Occurrence) Deducible – $250
Medical Expense Limit – $5,000
Can I Increase My Liability Limits?
Yes! You can increase your limits by adding excess liability, or additional limits up to $2,000,000 in extra coverage. You can do this during checkout or afterward from your online user dashboard.
To add excess liability to an existing policy, follow these steps:
- Sign in to your account
- Click on “Change Policy Options” and then select “Purchase Add-Ons”
- Select the excess liability limits you want
- Click on “Purchase Selected Options” and then submit payment
The fees to add excess liability to your policy are:
- $1,000,000 Excess Liability Limit: $500
- $2,000,000 Excess Liability Limit: $1,000
Need higher limits? No problem. Give us a call at 844.520.6992 and a member of our sales team can assist you.
How Long Is My Policy Coverage?
FLIP policies are annual, so your policy will provide you coverage for 12 months from the effective date you select. You will also see the effective and expiration dates listed on your policy proof of insurance document, which is accessible from your online account.
Are There Any Discounts Available for Multiple Policies?
No, we aren’t able to offer discounts on multiple policies at this time. However, we keep costs as low as possible to offer you the best possible coverage at an affordable price. See how we stack up to the competition.
What Payment Options Are Available?
With FLIP, you have the flexibility to choose between paying upfront annually or opting for monthly payments.
We also offer short-term event policies for liquor liability insurance that offer up to 3 days of coverage.
How to File a Claim
File a claim completely online in just 4 simple steps:
- Log in to your user dashboard
- Click “File A Claim”
- Add all the necessary information
- A claims adjustor will contact you and guide you through the rest of the claims process
We understand that claims are never fun, which is why we’ve made the process of filing easy, smooth, and fast.
How Do I Update My Policy Information?
You can update your email address, phone number, and mailing address via the user dashboard by going to “My Profile” and selecting “Edit Personal Info.”
What Is an Additional Insured?
An additional insured is a person, organization, or venue that is added to your insurance policy by endorsement. Your policy coverages will protect the additional insured from lawsuits caused by your negligence.
Can I Add an Additional Insured After I Purchase My Policy?
Yes — adding an additional insured is easy!
- Log in to your user dashboard
- Click “Add Additional Insured”
- Fill out the necessary information and enjoy the protection it gives!
Does It Cost More to Add an Additional Insured?
Nope! You can add an unlimited amount of additional insureds for no extra cost. That means you can participate in a variety of different events without having to worry about your premium going up each time you add a new venue or event organizer to your policy.
What Is a Certificate of Insurance (COI)?
A certificate of insurance is a document that provides proof that your business is protected with insurance. You can access this certificate through your user dashboard anytime and download it in case you need to send it to a venue, event organizer, or landlord.
How Can I Access My Certificate of Insurance?
Accessing your certificate of insurance is effortless and can be done in 3 simple steps:
- Log in to your user dashboard
- Navigate to “Download Documents”
- Download and view your Certificate of Insurance
Who May Require Me to Provide a Certificate of Liability Insurance?
Venues, events, and landlords may require you to present a certificate of insurance before they accept or hire your food business. You can download and print your Certificate of Insurance, making it easy to send it to entities that may require it.
How Much Does a COI Cost?
The COI itself doesn’t cost anything — you will get one automatically upon purchasing a FLIP policy.
Does My Policy Automatically Renew?
While purchasing your FLIP policy for the first time, you can choose to enable EZ Renew, which automatically renews your policy every year so you don’t have to worry about losing your coverage.
To Enable EZ Renew:
- Sign in to your FLIP online user dashboard
- Under the “Manage Policies” section, click on the button labeled “My Policies”
- Scroll down to the “EZ Renew” section and click the button labeled “Enroll Now”
- Fill out the information on the EZ Renew form and click “Submit” at the bottom of the page
If you do not enable EZ Renew, your policy will not automatically renew, and you’ll lose the protection your business needs.
How Do I Renew My Policy Manually?
If you choose not to enable EZ Renew, you will need to manually renew your policy every year. You can do this on your FLIP online user dashboard.
To Manually Renew Your Policy:
- Log in to your FLIP online user dashboard
- At the top of the user dashboard, click on the button labeled “Renew”
- Follow the instructions provided in the renewal form
- At the bottom of the renewal form, click on the button labeled “Complete”
Please note that the “Renew” button will only be available on your FLIP online user dashboard for 60 days before your policy expires.
If your policy has already passed its expiration date, you cannot renew it. However, you can add a new policy with the same coverage options on your FLIP online user dashboard.
To Add a New Policy:
- Log in to your FLIP online user dashboard
- Under the “Manage Policies” section, click on the button labeled “Add Policy”
- Follow the directions provided in the application to get the coverage you desire
- At the end of the application, click the button labeled “Purchase Policy”
Is the Renewal Price the Same as the Purchase Price?
Most of the time, as long as you select the same coverage options as when you initially purchased your policy, the price you pay to renew will remain the same. However, if you include additional coverage options to your policy before renewing, your premium will increase.
The cost of renewing your policy can also change according to new market trends. This is rare, however, and FLIP will notify you of this change before it occurs.
Will I Get Renewal Reminders?
Yes, you will receive reminders to renew your policy as far as 60 days before your policy’s expiration date.
If I No Longer Need My Insurance, Can I Get a Refund?
All our policies are 100% fully earned, which means there are no refunds.
What Is FLIP Insurance?
FLIP is the most trusted name in food and beverage business insurance, providing you with the coverage you need to protect your operation from the financial cost of claims.
How Much Does Food/Beverage Insurance With FLIP Cost?
A FLIP policy starts at $25.92 per month or $299 per year. This is the base price and can fluctuate depending on these factors:
- Which state you operate in
- Your business’ gross annual sales
- Which coverages you include
- The coverage limits you need
Learn More About the Cost of FLIP Insurance
What Makes FLIP So Affordable?
FLIP is able to keep its prices low with a completely online process and US-based agents who don’t make commission. That way, you never have to choose between quality coverage and a great price!
How Do I Get a Policy With FLIP?
You can get a FLIP policy online in 10 minutes or less by simply following these steps:
- Start your application
- Select your business type and gross annual income
- Add any optional coverages you need
- Get your free quote
- Finish checking out and get your instant Certificate of Insurance (COI)!
What Types of Insurance Does FLIP Offer?
FLIP offers the following coverage types to food and beverage businesses:
- General Liability
- Product Liability
- Professional Liability
- Tools and Equipment (Inland Marine)
- Cyber Liability
- Liquor Liability
- Food Trailer Endorsement (exclusively offered by FLIP)
- Workers’ Compensation
Who Qualifies For FLIP?
FLIP Insurance is designed for individuals and companies in the food/beverage vending business, including:
- Bakers
- Bartenders
- Caterers
- Commercial Kitchens
- Farmers Market Vendors
- Food Carts
- Food Festivals
- Food Trailers
- Food Trucks
- Home Food Businesses
- Personal Chefs
- Vendors
Whether you make, sell, or distribute a food product, you are qualified for FLIP insurance as long as you aren’t selling any of the excluded products listed below, and your gross annual sales are under $1,000,000.
If your gross sales are over $1,000,000, please contact us for additional options.
Excluded Products and Operations
- Alcoholic beverages or products (includes serving, selling, or subcontracting)*
- Animal/livestock feed (this does not include pet products)
- Any product requiring a prescription
- 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
- Medical invasive products – intended to stay within the body
- Nutraceuticals, vitamins, supplements, suppositories, or products containing pharmaceuticals, drugs, or medicines
- Nutrition consulting
- Owner or operator of any fixed/permanent location
- 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
- Any product containing cannabidiol (CBD), hemp, or hemp extract
See policy for exact terms, conditions, and exclusions.
*Alcohol-related coverage is only available through our liquor liability insurance program.
Who Is the Insurer/Carrier?
Great American Insurance Group is the insurer for all FLIP policies and has offered comprehensive coverage to U.S. businesses for over 150 years. Today, they are ranked among the top carriers in the country and hold a prestigious A+ financial rating from AM Best.
What Is General Liability Insurance?
General liability insurance protects your food or beverage business from the cost of third-party injury and property damage claims.
What Is Product Liability Insurance?
This coverage is intended to protect you from the financial risks associated with food poisoning and unlabeled allergen claims.
What Is Inland Marine Insurance?
Inland marine insurance is designed to cover business equipment, materials, or products that are not fixed to any one specific location.
Am I Protected Against Food Poisoning Claims?
Yes, product liability insurance can protect your business from the costs associated with food poisoning and unlabeled allergen claims.
The base FLIP policy contains product liability insurance, so you could receive coverage for a claim like this.
Can I Add a Trailer Endorsement?
Yes! You can add a trailer endorsement while filling out your application or afterward from the convenience of your user dashboard.
FLIP is the exclusive provider of the Food Trailer Endorsement, which extends your general liability insurance coverage to your trailer while it is parked on-premises and detached from the towing vehicle.
Do You Offer Commercial Auto Coverage?
No, FLIP does not offer commercial auto insurance at this time.
Do You Offer Restaurant Insurance Coverage?
No, FLIP does not offer restaurant insurance coverage at this time.
What Are The Policy Limits?
General Liability Aggregate Limit – $2,000,000
Products & Completed Operations Aggregate Limit – $2,000,000
Personal & Advertising Injury Limit – $1,000,000
General Each Occurrence Limit – $1,000,000
Damage to Rented Premises Rented to You (Any One Premises) – $300,000
Liability Deductible – No Deductible
Business Property / Inland Marine Limit (Any One Article / Aggregate) – $5,000/$10,000
Business Property / Inland Marine Limit (Per Occurrence) Deducible – $250
Medical Expense Limit – $5,000
Can I Increase My Liability Limits?
Yes! You can increase your limits by adding excess liability, or additional limits up to $2,000,000 in extra coverage. You can do this during checkout or afterward from your online user dashboard.
To add excess liability to an existing policy, follow these steps:
- Sign in to your account
- Click on “Change Policy Options” and then select “Purchase Add-Ons”
- Select the excess liability limits you want
- Click on “Purchase Selected Options” and then submit payment
The fees to add excess liability to your policy are:
- $1,000,000 Excess Liability Limit: $500
- $2,000,000 Excess Liability Limit: $1,000
Need higher limits? No problem. Give us a call at 844.520.6992 and a member of our sales team can assist you.
How Long Is My Policy Coverage?
FLIP policies are annual, so your policy will provide you coverage for 12 months from the effective date you select. You will also see the effective and expiration dates listed on your policy proof of insurance document, which is accessible from your online account.
Are There Any Discounts Available for Multiple Policies?
No, we aren’t able to offer discounts on multiple policies at this time. However, we keep costs as low as possible to offer you the best possible coverage at an affordable price. See how we stack up to the competition.
What Payment Options Are Available?
With FLIP, you have the flexibility to choose between paying upfront annually or opting for monthly payments.
We also offer short-term event policies for liquor liability insurance that offer up to 3 days of coverage.
How to File a Claim
File a claim completely online in just 4 simple steps:
- Log in to your user dashboard
- Click “File A Claim”
- Add all the necessary information
- A claims adjustor will contact you and guide you through the rest of the claims process
We understand that claims are never fun, which is why we’ve made the process of filing easy, smooth, and fast.
How Do I Update My Policy Information?
You can update your email address, phone number, and mailing address via the user dashboard by going to “My Profile” and selecting “Edit Personal Info.”
What Is an Additional Insured?
An additional insured is a person, organization, or venue that is added to your insurance policy by endorsement. Your policy coverages will protect the additional insured from lawsuits caused by your negligence.
Can I Add an Additional Insured After I Purchase My Policy?
Yes — adding an additional insured is easy!
- Log in to your user dashboard
- Click “Add Additional Insured”
- Fill out the necessary information and enjoy the protection it gives!
Does It Cost More to Add an Additional Insured?
Nope! You can add an unlimited amount of additional insureds for no extra cost. That means you can participate in a variety of different events without having to worry about your premium going up each time you add a new venue or event organizer to your policy.
What Is a Certificate of Insurance (COI)?
A certificate of insurance is a document that provides proof that your business is protected with insurance. You can access this certificate through your user dashboard anytime and download it in case you need to send it to a venue, event organizer, or landlord.
How Can I Access My Certificate of Insurance?
Accessing your certificate of insurance is effortless and can be done in 3 simple steps:
- Log in to your user dashboard
- Navigate to “Download Documents”
- Download and view your Certificate of Insurance
Who May Require Me to Provide a Certificate of Liability Insurance?
Venues, events, and landlords may require you to present a certificate of insurance before they accept or hire your food business. You can download and print your Certificate of Insurance, making it easy to send it to entities that may require it.
How Much Does a COI Cost?
The COI itself doesn’t cost anything — you will get one automatically upon purchasing a FLIP policy.
Does My Policy Automatically Renew?
While purchasing your FLIP policy for the first time, you can choose to enable EZ Renew, which automatically renews your policy every year so you don’t have to worry about losing your coverage.
To Enable EZ Renew:
- Sign in to your FLIP online user dashboard
- Under the “Manage Policies” section, click on the button labeled “My Policies”
- Scroll down to the “EZ Renew” section and click the button labeled “Enroll Now”
- Fill out the information on the EZ Renew form and click “Submit” at the bottom of the page
If you do not enable EZ Renew, your policy will not automatically renew, and you’ll lose the protection your business needs.
How Do I Renew My Policy Manually?
If you choose not to enable EZ Renew, you will need to manually renew your policy every year. You can do this on your FLIP online user dashboard.
To Manually Renew Your Policy:
- Log in to your FLIP online user dashboard
- At the top of the user dashboard, click on the button labeled “Renew”
- Follow the instructions provided in the renewal form
- At the bottom of the renewal form, click on the button labeled “Complete”
Please note that the “Renew” button will only be available on your FLIP online user dashboard for 60 days before your policy expires.
If your policy has already passed its expiration date, you cannot renew it. However, you can add a new policy with the same coverage options on your FLIP online user dashboard.
To Add a New Policy:
- Log in to your FLIP online user dashboard
- Under the “Manage Policies” section, click on the button labeled “Add Policy”
- Follow the directions provided in the application to get the coverage you desire
- At the end of the application, click the button labeled “Purchase Policy”
Is the Renewal Price the Same as the Purchase Price?
Most of the time, as long as you select the same coverage options as when you initially purchased your policy, the price you pay to renew will remain the same. However, if you include additional coverage options to your policy before renewing, your premium will increase.
The cost of renewing your policy can also change according to new market trends. This is rare, however, and FLIP will notify you of this change before it occurs.
Will I Get Renewal Reminders?
Yes, you will receive reminders to renew your policy as far as 60 days before your policy’s expiration date.
If I No Longer Need My Insurance, Can I Get a Refund?
All our policies are 100% fully earned, which means there are no refunds.
Reviewed by: Kyle Jude
Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.
