You have your baking skills down to an art and you’re pumped to start a baking business. So, why not start a home-based bakery? The nice thing about a home-based bakery is that you don’t need to worry about the pricey overhead that accompanies opening a storefront bakery. Save yourself some money and protect your business along the way with bakers insurance. Here’s a walkthrough of some general business requirements you may face as a home-based bakery owner. Make Sure a Home Bakery Is Allowed in Your Area Visiting your state’s health department site should be the first thing on your list. Each state has different regulations regarding cottage industries and the standards of home-based kitchens and it is important to do your own research. If your state doesn’t allow home-based bake... Read more

As you may have seen, we recently rolled out a new line of insurance - Liquor Liability Insurance for bartenders and caterers! We’re quite excited to be offering this new level of protection to food and beverage providers across the country. Some internet commenters out there? Not so excited. While we’ve successfully set about insuring caterers and bartenders with liquor liability insurance, we’ve also gotten some colorfully verbalized pushback on this new program. Here’s a sample: ... Actually, on second thought, you don’t need that negativity in your life. Just know that the opinions given have been very passionate, brilliantly profane, and deeply negative. The common thread in feedback of this nature is that liquor liability insurance is some sort of scam. Don’t fret, th... Read more

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