Host liquor or liquor liability: which policy is right for me? While liquor liability insurance and host liquor insurance share some similarities—both cover legal fees in the event of a lawsuit — there are also some key differences that you should be aware of. Read on and learn more about each policy.   Host Liquor Who does host liquor cover? Host liquor liability is a short-term insurance option for individuals who host private events like weddings, birthday parties, corporate events, and luncheons. You might be surprised to find that you could be held liable for property damage or bodily injury that is caused by your guests if you provide your guests with alcohol. When should I buy my host liquor policy? We recommend that you purchase your host liquor insuranc... Read more

When did you first decide to form a food business? Was it when you shared your favorite recipe and someone said they'd pay for another delicious bite? Or, did you dream of being your own boss, and cooking your way out of the corporate office seemed like the ideal pathway? At FLIP, we help food entrepreneurs achieve success by protecting their assets with food liability insurance. We’re now going a step further to help food business owners set up their business's legal structure with a valuable new resource. FLIP is pleased to announce that FLIP customers now have a new resource with incorporate.com, a company dedicated to helping businesses electronically file to incorporate and to manage the legal requirements of federal and state laws regarding their business licensing. FLIP cli... Read more

State of the Catering Industry and Why Caterers Need Insurance Catering businesses are on the upswing; according to the State of the Industry 2017 report, caterers have indicated a 75% percent increase in their business in 2017. Non-traditional caterers and corporate caterers are also experiencing their highest growth. With growth comes additional risks, and caterers need to protect their burgeoning businesses with caterers insurance. As the catering field becomes more diverse, it is extremely important that caterers have a robust insurance policy that can be structured to cover a wide range of potential claims and lawsuits. FLIP not only offers a general liability insurance policy, but can also help protect caterers with liquor liability insurance and commercial auto insurance. H... Read more

You've been hired as a private bartender for a wedding or corporate event. You have the mixology down to a science, but you may have forgotten one thing: liquor liability insurance. Private or mobile bartenders can be held liable for damages if they serve alcohol to someone who causes an accident or inflicts harm to a third party. "But wait," you may be thinking. "I'm not the person who chooses to drink irresponsibly. Why would I be held liable for damages that someone else causes? Could I really be held financially responsible if one of my guests gets drunk and causes an auto accident?" You can. And here's where your state laws come into play. Bartending At an Event — What Are Your Responsibilities While Serving Alcohol? Most states hold bartenders who offer excessive alcoh... Read more

On the quest to pursue your own food business, there are a myriad of factors that contribute to its success. These could range from branding, social media awareness, unique flavor and menu, insurance, and customer outreach programs. To help enhance the flavor and presentation of your business, FLIP has reached out to one of our customers to share their personal experience as they entered the food business. We also asked for any secret recipes they had in finding success after starting their own business. Head Chef and owner of 2 Fish & 5 Loaves BBQ, Terrance  Williams, shares five distinct tips to help individuals who are looking to take the leap and start their own food business. Develop Your Flavor Chef Terrance Williams entered the food industry nearly a year and ha... Read more