Who We Insure
FLIP provides food liability insurance for small food businesses whether you make, sell, or distribute a food product.
Don’t see your service listed above? Don’t worry, our experienced agents may still be able to tailor a policy for your specific business needs.
Excluded Products & Operations
Please view our exceptions of those operations on the list of excluded lines of business below. If your gross sales exceed $500,000, please contact us for other coverage options.
- 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 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
- 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 or Beverages – Restaurants not eligible for $299 FLIP Program, requires separate application. Get quote for restaurant insurance. - Tobacco Related Products Including E-Cigarettes and Smokeless Products
- Topical Products Including Soaps, Lotions, and Bath Products
