FLIP’s Insurance Coverage Types
Food Liability Insurance Program (FLIP) makes food liability business insurance easy — whether you make, sell, serve, or distribute a food or beverage product.
Most Popular Policies
Small food and beverage businesses opt for these flexible FLIP policies to safeguard their work.
AGENT RECOMMENDED
FLIP Pro
Coverage for Food Trucks, Food Vendors, Caterers, Food Manufacturers, and More
From $25.92/Month Or $299/Year
- 365 days of continuous coverage
- General liability insurance
- Free, unlimited additional insureds
- Tools and equipment coverage (optional add-on)
FLIP Pro + Liquor
Coverage for Bartenders, Food Trucks, Food Vendors, Caterers, and Other Businesses That Sell or Provide Alcohol
From $37.75/Month Or $454/Year
- Event or year-round coverage
- General + liquor liability insurance
- Customizable liability limits
- Ranked #1 liquor liability insurance by Investopedia
Additional Liquor Liability Policies
Need standalone or event-based coverage to sell or provide alcohol? FLIP’s liquor liability insurance offers affordable, flexible policy options to protect your business.
Liquor Liability Annual Policy
For businesses that already have a FLIP general liability policy and need year-round alcohol coverage
From $300/Year
- Up to $2 million in liquor liability coverage
- Options for increased coverage (including assault and battery endorsement)
- Requires a FLIP general liability annual policy
General Liability + Liquor Liability Event Policy
For businesses that need both general and liquor liability coverage for a single event (no existing FLIP policy required)
From $150/Event
- $2 million in general liability coverage
- Up to $2 million in liquor liability coverage
- $300K in damage to premises rented coverage
- Free, unlimited additional insureds
- Options for increased coverage
Liquor Liability Event Policy
For businesses that already have an active general liability policy and need liquor liability coverage for a single event
From $100/Event
- Up to $2 million in liquor liability coverage
- Free, unlimited additional insureds
- Options for increased coverage
- Requires an active general liability policy in place
Restaurant Insurance
Own a brick-and-mortar restaurant? FLIP’s restaurant insurance coverage options are truly customizable to fit your business needs. Build a policy with expert help from our agents.
FLIP Restaurant Insurance
For brick-and-mortar restaurant businesses that need liability, property, and more customizable coverages
Custom Quote
Priced to match your business
A tailored bundle of coverages you select, including options for:
- General liability
- Product liability
- Liquor liability
- Cyber liability
- Commercial property
- Commercial auto
- Workers comp
- Plus more
Browse Your Coverage Options
Select coverages based on how your business operates. FLIP’s coverage menu is designed to protect you from common industry claims, so you can focus on nailing those tickets.
General Liability
Designed to cover third-party bodily injury, property damage, and personal injury claims
Product Liability
Can cover claims related to your food or beverage product, such as food poisoning or unlabeled allergens
Professional Liability
Built to cover claims stemming from your professional services, such as a customer claiming your cooking class instruction caused an injury
Workers Compensation
Can cover your employees’ lost wages, rehabilitation, and other costs related to a work-related injury or illness
Tools and Equipment (Inland Marine)
Insures your movable business equipment in case of theft or damage
Food Trailer Endorsement
Extends your general liability coverage to your food trailer when it’s parked and detached from your vehicle
Exclusive FLIP offering
Cyber Liability
Helps cover costs associated with data breaches and system failures, including data recovery, attorney’s fees, and settlements
Liquor Liability
Designed to cover costs stemming from alcohol-related third-party injuries or property damage caused by a person you served alcohol to
Commercial Auto
Helps pay for first- and third-party losses from accidents involving your business vehicle
Restaurant Insurance
Tailored coverage for brick-and-mortar restaurants, with options for liability, property, and more
Assault and Battery Endorsement
An optional add-on for FLIP liquor liability policyholders — designed to cover third-party bodily injury or property damage claims arising from an assault or battery incident
Still have questions about coverage?
Our U.S.-based, licensed support team would love to help you get the coverage you need. Contact us.