Cake Maker
INSURANCE

Beautifully decorated cakes and delicious confections are at the center of your business. Quality liability insurance is at the center of ours. Protect your bakery online in minutes with cake making and decorating insurance by FLIP.

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Coverage To Fit
Your Needs

Create your very own food distributor insurance plan in minutes with a variety of high-quality policies, including general liability, tools and equipment coverage, and more

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UNLIMITED
ADDITIONAL INSUREDS

Need to include other businesses on your policy as additional insureds? FLIP offers unlimited additional insured at no extra cost to your premium.

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NO-QUOTE
PROCESS

Protect your hot dog business in minutes with our easy, online checkout for instant, 24/7 access to your policy information via our online user dashboard.

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Do Cake Makers & Decorators Need Liability Insurance?

Cake is one of the delights of life, but running a cake making and decorating business can be risky. There are many liability risks, including bodily injury and property damage claims, customers getting sick from your cake and more. Having cake making and decorating insurance can protect your business from expenses you may be required to cover should your business be involved in an accident.

Things we cover

Protect your cake making and decorating business with up to $2 million in A+ rated general and product liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

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General Liability

Aggregate Limit: $2M

General liability can protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Product Liability

Aggregate Limit: $2M

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Inland Marine

Aggregate Limit: $10,000

Also referred to as tools and equipment coverage, inland marine insurance can protect your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.

Damage to Premises Rented

Aggregate Limit: $300,000

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, such as an event booth or commercial kitchen. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. FLIP provides unlimited additional insureds at no extra cost.

Cyber Liability

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

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Dont Take our word for it

 

PROGRAM HIGHLIGHTS

  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage
  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

Coverage Details:

General Liability Aggregate Limit $2,000,000
Products-Completed Operations Aggregate Limit $2,000,000
Personal and Advertising Injury Limit $1,000,000
General Each Occurrence Limit $1,000,000
Damage to Premises Rented to You (Any One Premises) $300,000
Liability Deductible NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate) $5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible $250

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at info@fliprogram.com.

Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN