In May 2025, Investopedia released its list of the best liquor liability insurance options, and Food Liability Insurance Program (FLIP) topped the list with 4.8 out of 5 stars. What does that mean, and why does that matter for your business? Let’s dive in.
Investopedia’s Scoring Criteria
Investopedia conducts independent reviews to make balanced, unbiased recommendations on business and financial products, including insurance policies.
These reviews are conducted and validated by:
- A team of compliance staff (current and former industry professionals and journalists), researchers, and editors
- A proprietary scoring system
- Research and subject matter expertise
For its liquor liability insurance list, Investopedia includes the following in its evaluations:
- Coverage limits
- Number of customer complaints
- Pros and cons list
- A brief overview
- A star rating based on their scoring system
Why Investopedia Ranked FLIP #1
FLIP’s liquor liability insurance topped Investopedia’s list for several reasons:
- Bundling options: You can bundle your liquor liability insurance with general liability when you purchase a FLIP policy, making it easy to get comprehensive coverage in one convenient place.
- Customer satisfaction: We receive “far fewer” customer complaints than expected, according to Investopedia.
- High coverage limits: Our liquor liability policy has an aggregate limit (the max your insurance will pay during your policy period) of $2,000,000. Our general liability policy has the same aggregate limit, if you choose to bundle.
- Flexible payment options: Choose between paying monthly or annually for your liquor liability coverage.
- Short- and long-term options: Get an annual liquor liability policy for 365 days of coverage, or a short-term event liquor policy if you only plan to serve or sell alcohol on one occasion.
- 100% online process: From purchase to policy management, do everything you need to get and maintain coverage from us online.
How FLIP Supports Alcohol-Serving Businesses
We offer A+ rated liquor liability coverage to a wide range of food and beverage businesses, including:
- Bartenders
- Caterers
- Concessionaires
- Fair and festival vendors
- Food trucks and trailers
- Personal chefs
Whether you’re a food truck operator selling beer or a wedding caterer offering alcohol service to your clients, FLIP has you covered.
Not only do we make it easy for you to bundle liquor liability with essential general liability coverage, we ensure you only pay for the coverage you need. Plus, we offer optional coverages you can add to your policy to shield your business against the most common risks, including:
- Cyber Liability: Can cover expenses related to restoring/recovering data or defending yourself in a lawsuit after a cyberattack, such as a data breach
- Food Trailer Endorsement: If you sell food/beverages from a food trailer, this extends your general liability insurance policy to cover third-party injuries and property damage in, on, or around it when parked and detached
- Tools and Equipment (Inland Marine): Designed to cover the cost of repairing or replacing damaged or stolen business equipment you take with you to different locations
- Product Liability: Can cover liability expenses related to your food or beverage products
- Professional Liability: Designed to cover expenses stemming from a lawsuit over advice or guidance you gave to a client (e.g., in a cooking class)
- Workers Compensation: Required by most states to cover lost wages, medical expenses, and rehabilitation costs if one of your employees is injured at work
How to Get Liquor Liability Insurance From FLIP
Get a combined liquor and general liability policy from FLIP for as low as $37.75 a month in three simple steps:
- Start your online application
- Enter information about your business
- Get your free quote and finish checking out
After purchase, you’ll have instant access to your Certificate of Insurance via your user dashboard, ready to show venue managers, clients, or government agencies.
Don’t settle for less when it comes to alcohol liability. Get the #1 liquor liability insurance coverage from FLIP in minutes today!
Alex Hastings
Seattle-based copywriter and (WA) licensed insurance agent Alex Hastings leverages her experience as a lover of fast-casual food, baked goods, and iced oat milk lattes. She holds a B.A. in Creative Writing from Western Washington University. Before working at Veracity, she was a retail copywriter at Zulily and an English language teacher in South Korea. Alex is fully trained on FLIP insurance coverages and writes content that connects food and beverage business owners with the policies they need.
Seattle-based copywriter and (WA) licensed insurance agent Alex Hastings leverages her experience as a lover of fast-casual food, baked goods, and iced oat milk lattes. She holds a B.A. in Creative Writing from Western Washington University. Before working at Veracity, she was a retail copywriter at Zulily and an English language teacher in South Korea. Alex is fully trained on FLIP insurance coverages and writes content that connects food and beverage business owners with the policies they need.
Kyle Jude
Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.
