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Food Liability Insurance Program (FLIP) Logo

This is Food Liability Insurance

FLIP innovated how business owners get their insurance by straying from the typical and transitioning to a fast, online, and personal insurance experience that supports food business owners.

The #1 Insurance Provider for Food Vendors



At FLIP, our focus is on you – our customer. To better serve you we changed the insurance buying process and made it easy. FLIP cut out unnecessary paperwork, removed waiting time, and lowered the cost. Yup. Yup, we did that. 

Insurance is our bread and butter so even with our streamlined process it is still the best food business insurance on the block. We don’t skimp on our serving size (insurance perks). Our whole business is focused on ease, convenience, and affordability.

Insurance can and should be a cakewalk. That’s why our insurance can be purchased completely online, with or without the help of an agent – letting you continue to bring home the bacon and focus on your business.

Three Things We Believe
About Insurance


Easy to purchase online

“Insurance” and “easy” rarely go in the same sentence. At FLIP we have done everything we can to make buying insurance easy. Purchase your policy and get immediate proof of insurance all from the comfort of your home. Insurance can be easy!


Simple and affordable

Most events are going to ask for $2 million of coverage and most insurance companies charge you extra. We don’t. We’ve got you covered with our base policy.


Ready at your convenience

Access your policy documents anytime, anywhere with 24/7 online access. Enjoy 24/7 customer chat support and free unlimited additional insureds that can be added online through your user dashboard.

See What Others are Saying About Us

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
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We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
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Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
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So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
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Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
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Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
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Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
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I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
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FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
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Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
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It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
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Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
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It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Your High-Quality Food Liability Business Insurance

FLIP offers food business owners a low-cost, high-quality insurance option. Our agents are US-based, licensed, and don’t work on commission. This means you can talk to a real insurance expert who won’t push you into something you don’t need.

Finding the right insurance can suck. Reach out to one of our agents and get your food liability insurance questions answered.

FLIP is a part of a risk purchasing group (RPG), allowing us to better serve you with low and affordable insurance prices.

How does an RPG work? Think of it like a group discount, but you don’t have to share everything with the group. Basically, many food businesses have similar business risks. By identifying a large number of people who can purchase, we’re able to give a group rate of $299 for our clients, but you get your own separate limits. This gives you maximum coverage at a minimal price. The best of both worlds, right?

Need Additional Assistance?

Contact us with any questions, we’re here to help.

Just a Few of Our Trusted Partners

The Faces Behind FLIP

Daryle Stafford

President & CEO
Daryle believes in high-quality customer service and personal interaction. He’s driven this focus with cutting-edge technology and automated tools. He enjoys spending time with his family, including volunteering as a coach for his kids’ baseball and softball teams. Once in a blue moon, he gets to go play golf.

Brent Waldron, CPA

Vice President of Finance
Brent brings with him over 20 years of accounting, finance, and executive management experience guiding businesses to financial success. He enjoys playing golf and traveling with his beautiful wife and daughter. Although he graduated from Boise State, he also loves cheering on the Virginia Tech Hokies.

Julie Sheffield

Vice President of Operations
Julie applies her over 13 years of experience in the property management and real estate development sector to this evolving industry. Julie and her husband Mark love to explore new places, ride motor vehicles, play golf, and relax by the pool. She hopes to one day have a miniature cow and horse.

Chris Van Leeuwen

Vice President of Business Development
Chris is a third-generation insurance professional who owned an agency for 13 years before joining our team. He’s been instrumental in the development and implementation of several national programs and Risk Purchasing Groups. He enjoys travel, cycling, fishing, cooking, and spending time with the family.

Clint Bishop

Vice President of Marketing
Clint brings more than 10 years of experience leading marketing teams of various sizes in a variety of industries. He is big on culture, big on autonomy, and big on innovation. When he’s not at work, Clint enjoys watching baseball, playing games with his kids, gardening, ATVing, and wrestling his black lab.

Daniel Steadman, CPCU

Vice President of Underwriting
Daniel began his insurance career as an underwriter for a Fortune 500 national carrier.. Since joining our team, written premiums have more than doubled and loss ratios have dramatically decreased. He enjoys following his favorite sports teams, reading, and spending time with his wife and three young children.

Jason McCaul

Vice President of Technology
Jason is a diversified leader and has a decade+ experience in marketing and product/project management. He believes in creating a fun and challenging work environment for his teams. His home life involves a lot of sports, whether it’s watching his favorite sports teams or coaching his kids’ football team.

Gavin Jones

Vice President of Product
Gavin is one of our newest team members bringing with him more than 13+ years of experience in the Tech industry. He graduated with his MBA from the University of Utah with an emphasis on Program/Project Management in 2016. Gavin has spent the last 4+ years focused on building very successful teams and products.

Lijana Zabulioniene

Director of Software Engineering
Lijana brings a decade+ of experience in technical project management and development. She has led the software development team in delivering innovation, quality, and security. She is an avid traveler and enjoys rock climbing, golfing, hiking, camping, reading, and simply spending time with her family.

Troy Smith

Director of Strategic Partnerships
Troy thrives at building relationships and creating partnerships that benefit beauty professionals across the United States. He helps orchestrate win-win solutions for organizations and networks. He loves going on vacations with his family and history. He once got the opportunity to hike the remote jungles of Guatemala and take pictures of the pre-classic maya ruins.

Just Looking for Liability Insurance?

We’ve got you covered. Click on an industry below to see what FLIP can do for you.

Now bakers, caterers, food truck owners, personal chefs and more can purchase a policy in minutes online. We offer some of the lowest prices on the market without the added cost of a member association.

Our Partners