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Insurance FAQs

Buy from $25.92/month

About Food Liability Insurance Program (FLIP)

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.

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

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! 

You can get a FLIP policy online in 10 minutes or less by simply following these steps:

  1. Start your application
  2. Select your business type and gross annual income
  3. Add any optional coverages you need
  4. Get your free quote
  5. Finish checking out and get your instant Certificate of Insurance (COI)!

Coverage Information

FLIP offers the following coverage types to food and beverage businesses:

FLIP Insurance is designed for individuals and companies in the food/beverage vending business, including:

 

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.

  • 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.

Accelerant is the insurer for all FLIP policies and offers comprehensive coverage to U.S. businesses. They hold an A- financial rating (Excellent) from AM Best.

General liability insurance protects your food or beverage business from the cost of third-party injury and property damage claims. 

This coverage is intended to protect you from the financial risks associated with food poisoning and unlabeled allergen claims. 

Inland marine insurance is designed to cover business equipment, materials, or products that are not fixed to any one specific location.

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. 

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. 

Yes, FLIP proudly offers commercial auto insurance for mobile food and beverage businesses.  Get your custom quote today!

Yes, you can get a custom restaurant insurance quote through FLIP.

Policy Information

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

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:

  • 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.

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.

No we aren’t able to offer discounts or offer 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.

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.

File a claim completely online in just 4 simple steps:

  1. Log in to your user dashboard
  2. Click “File A Claim”
  3. Add all the necessary information
  4. 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. 

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.” 

Additional Insureds

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.

Yes — adding an additional insured is easy!

  1. Log in to your user dashboard
  2. Click “Add Additional Insured”
  3. 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. 

Certificates 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. 

Accessing your certificate of insurance is effortless and can be done in 3 simple steps: 

  1. Log in to your user dashboard
  2. Navigate to “Download Documents” 
  3. Download and view your Certificate of 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. 

The COI itself doesn’t cost anything — you will get one automatically upon purchasing a FLIP policy.

Policy Management

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:

  1. Sign in to your FLIP online user dashboard
  2. Under the “Manage Policies” section, click on the button labeled “My Policies”
  3. Scroll down to the “EZ Renew” section and click the button labeled “Enroll Now”
  4. 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.

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:

  1. Log in to your FLIP online user dashboard
  2. At the top of the user dashboard, click on the button labeled “Renew”
  3. Follow the instructions provided in the renewal form
  4. 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:

  1. Log in to your FLIP online user dashboard
  2. Under the “Manage Policies” section, click on the button labeled “Add Policy”
  3. Follow the directions provided in the application to get the coverage you desire
  4. At the end of the application, click the button labeled “Purchase Policy”

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.

Yes, you will receive reminders to renew your policy as far as 60 days before your policy’s expiration date.

All our policies are 100% fully earned, which means there are no refunds.

Most customers can cancel their policy online through their dashboard. Step-by-Step instructions are available in this guide.