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  • Insurance designed for Farmer's Markets
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  • General questions
  • How does program insurance work?
    By purchasing insurance through our Food Liability Insurance Program (FLIP) you save money on insurance premiums because you are part of a group acquiring insurance directly from a carrier. Programs allow businesses and individuals of similar industries to basically buy the insurance in bulk from an insurer, resulting in lower individual premiums.
  • When is my insurance effective?
    We don't believe in waiting, so your insurance policy becomes effective immediately after your payment online is verified. The verification process takes only seconds, and voila! you have coverage! You can print your insurance certificate immediately after purchasing, and if you need to add additional insureds, you can do that right away too.
  • 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.
  • Who qualifies for this program?
    The FLI Program is designed for anyone in the food vending business. This could mean that you are a street vendor selling your own delicious food, or you could be a participant in a farmer's market. If you distribute a food product, you are also qualified. Any business where food is sold or distributed qualifies for insurance under the FLIP program. If you are unsure if your business applies, give us a call at 1-888-568-0548 or use our contact form.
  • Will the costs change over time?
    Because you are part of a group insurance program, your business will benefit from the purchasing power of the Food Liability Insurance Program. It is highly unlikely that your insurance costs will change.
  • Can I add an additional insured after I purchase my policy?

    Yes. Just log into your account on the website, and you will be able to print off your certificates within minutes.

  • What is an additional insured?

    An additional insured is a person or organization that is added to your insurance policy by endorsement and this is a common request.

    When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence.

    In other words, if someone slipped in your booth and broke their arm, the injured person could sue you and the venue. Since the venue is added as an additional insured, your insurance policy would protect both you and the venue in the suit.

  • Is there a cost to add an additional insured?

    No, there is no cost to add additional insured. You can add as many additional insured as needed and send them certificates accordingly. All you have to do is log back into your account and under the policy screen click on add additional insured button.

  • How can I add an Additional Insured to my policy?

    To add an Additional Insured to your policy, just login to your account by pressing the Login link in the upper right corner of our Home page. Click on My Policies, and then select your current policy number. From that page, there is an Add Additional Insured button. Select that button, fill in the information, and click on the Save button. You will immediately have access to the certificate of liability that you just created.

  • What is a deductible?

    A deductible is the amount of the loss that is your responsibility. For example, if you have a theft claim of $500 dollars, you will be responsible for $100 dollars of that claim. The insurance company will pay you $400 dollars.

  • What is your Privacy Policy?

    Privacy Policy FLIprogram.com and its affiliates recognize the privacy concerns of our customers and potential customers who visit our web site. We want you to be aware that we collect information through our web site for our internal use. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required when you visit our web site, however, certain information is collected in order to help us to better provide the products and services we offer. Personal Information We may collect non-public personal information about you from any or all of the following sources: • Applications or other forms received from you;• Insurance transactions your conduct with us or our affiliates;• Claims information provided in the event of a claim; and• Consumer reporting agencies. We do not disclose any non-public personal information we gather about our customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you to related or third-party brokers and/or agents, to premium financial service companies, and to third-party companies who perform marketing services for us. We restrict access to your non-public personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to guard your non-public personal information. We may use your personal information for several purposes, such as monitoring the use of our web site so that we can make improvements; diagnosing and solving technical problems; fulfilling customer requests for certain products and services; and sending material of interest (if you have so requested). Sometimes we must collect medical information in conjunction with a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission. Cookies We may store a cookie on your computer when you visit our web site. A cookie is a piece of information that is required to create and maintain a secure session. With a cookie, each time your browser requests a page from the server, a message is sent to us. A cookie’s main objective is to identify users and personalize their visit by customizing web pages for them--for example, by welcoming them by name the next time they visit the same site. A site using cookies may invite you to provide personal information, such as your name, e-mail address and interests. Our cookies do not contain confidential or personal information. Our cookies do not track a user after leaving our web site. E-mails We may keep the e-mails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. Please be careful about the information you give us in e-mail. As with any public web site, this communication may not be secure. Web Links We may provide links to other web sites on our site. We are not responsible for the collection, use, or security of information by the companies or organizations outside of our site. Please read the privacy policies of those web sites reached through the use of links from our site. For further information regarding our privacy policy or for information we may have received from you, please contact us: flip@veracityins.com.

  • Food Insurance
  • Why purchase a FLIP policy?
    Why not? You already know you need insurance, otherwise you wouldn't be on this site. But what makes our policy stand above the rest? Here are a few highlights that might catch your eye:

    1) NO LIABILITY DEDUCTIBLE
    2) NO LIABILITY DEDUCTIBLE!
    3) Includes Business Personal Property coverage, with low $100 deductible
    4) Low cost - as low as $299 per year!
    5) No charge for Additional Insureds

    Most other general liability policies offered by other carriers have exclusions that exclude the most common types of claims with food vendors. Our policy doesn't have those exclusions, making it one of the most comprehensive options available. In an effort to keep costs low, our policy was designed with the small business in mind. Our policies only cover businesses with up to $100,000 in gross sales. If you have more than $100,000 in gross sales, we can still help you, but additional underwriting is required. If that applies to your business, contact us today to get more information.
  • What limits are on the policy?
    The following limits apply to each policy:
    $1,000,000 Each Occurrence
    $300,000 Damage to Rented Premises
    $5,000 Medical Expenses Any One Person
    $1,000,000 Personal & Advertising Injury
    $2,000,000 General Aggregate
    $2,000,000 Products & Completed Operations Aggregate

    You will also have an opportunity to select Inland Marine coverage options during the purchase process.
  • Who is the insurer on the policy?
    The insurer is Great American Insurance. They are one of the top carriers in the U.S. and are A rated. To learn more about Great American, click here.
  • How long is my policy good for?
    FLIP policies are annual, so you are covered for 12 months from the effective date you select (defaulted to the current date). You will also see the effective and expiration dates listed on your policy certificate, available from your account view. You can access this account view by clicking on your email address on the top right of the website. If you have further questions, contact us and we will be happy to help!
  • Can I pay for additional coverages?

    If the coverage provided by FLIP do not meet the recommendations of a venue/show or your specific needs, we have other options available to you. Please contact us to discuss your particular situation.

  • What is Inland Marine coverage?

    Inland Marine (IM) coverage is provided with our Food Liability Insurance Policy, and IM is a type of property coverage for damage or covered loss of the insured's business personal property, such as supplies; equipment; and inventory.

  • Is there a deductible on my policy?

    There is no deductible on the liability portion of the show policy, but there is a $100 dollar deductible on your Inland Marine (property) coverage.

Copyright 2013 Veracity Insurance Solutions, LLC
Contact Us or call 1-888-568-0548
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