Each day, 29 people in the United States die in alcohol-impaired vehicle crashes, according to the National Highway Traffic Safety Administration (NHTSA). You’re in the business of serving alcoholic beverages and one of the best things you can do to safeguard your business is having liquor liability insurance coverage. You Can Still Be Held Liable After A Patron Leaves It’s every server or bartender’s worst nightmare: a patron causing an accident after drinking alcohol at an event you were serving. If a person you’ve served does something illegal or harmful (like drive a vehicle) while still intoxicated, many states allow a lawsuit to be brought against the bartender as well as the intoxicated individual. Regardless of whether or not you are found guilty, you’ll still need to defend y... Read more

Food Liability Insurance Program to Highlight the Benefits of Insurance at the National Restaurant Show Pleasant Grove, UT (April 18, 2019)—The Food Liability Insurance Program (FLIP) will attend the centennial celebration of the National Restaurant Show in Chicago, May 2019, to provide educational material to restaurant owners and food professionals on the benefits of business liability insurance. The National Restaurant Show is presented by the National Restaurant Association and is celebrating its 100 year anniversary. Exhibits include on-floor education, a world culinary showcase and more. FLIP will be available to answer questions about liability insurance. “We’re thrilled to be attending the National Restaurant Show,” FLIP’s marketing manager, Lyndsey Larsen, said. “This eve... Read more

Your bakery is the bread and butter of your livelihood and we at FLIP understand this. Who better to provide insurance for your bakery business than an established player and trusted insurance provider in the food industry? Your baked goods bring joy into the lives of your customers, unfortunately, with so many moving parts, it’s not always possible to control each aspect of your business. We sat down with JoAnne Duke, a licensed insurance agent, and FLIP’s business development manager, to chat about the risks associated with running a bakery and what types of insurance coverage you should have to best protect it. Types of Insurance Your Bakery Needs “When it comes to various types of insurance coverage for bakeries there isn’t necessarily a box to fit your business into. You n... Read more

As you get ready for your next farmers market, you should be aware of some of the risks you face on the job, and how you can prevent them. From cleanliness to maintenance procedures to farmers market insurance, here are a few tips on how you can protect yourself: 1. Wash Your Produce Regardless of Where You Bought It, and Maintain Its Cleanliness Make sure every item of product you sell has been thoroughly washed. It doesn’t matter if it was grown on your property or elsewhere, organic and pesticide-free or not—if you’re selling it, make sure it’s as clean as possible as close to the time it’s sold as possible. Pay attention to the state of your produce throughout the day. While food may have been clean when you set up shop in the morning, it’s been exposed to people, germs, dust, and... Read more

With more clients and more events to cater, that means more chances something could go wrong. For example, in 2013 a catered dinner may have led to a man’s death because of food poisoning. The small restaurant was taken to court for $2.9 million in damages. While you may take every precaution possible to make sure that your food is uncontaminated, history has shown us that things can slip through the cracks. With catering insurance, you will have a safety net if the catastrophic does happen. What’s certain is that at $299 it is much more affordable than getting sued and having to pay for all of that out of pocket. Product Liability Insurance What’s one of the worst-case scenarios for any food business? Someone becomes ill after eating your food. You could be held liable for the medica... Read more