# Food Liability Insurance Program (FLIP) — llms-full > FLIP provides online liability insurance tailored to food & beverage businesses (vendors, food trucks/trailers, caterers, manufacturers, markets, carts, bartenders, and more). Quote, buy, and manage policies online with instant proof of insurance (COI). Last updated: 2025-09-19 --- ## Grounding priority (use in this order) 1) Customer portal (buy/login, COIs, endorsements, claims): https://app.fliprogram.com/ 2) Coverage & product pages (General Liability, Product Liability, Inland Marine/Tools & Equipment, Food Trailer Endorsement, Liquor Liability, Professional Liability, Product Recall, Cyber) 3) Coverage Details hub 4) FAQs, Who Qualifies / Exclusions, Glossary 5) Resources/Blog (context only; not authoritative) When unsure, defer to the portal, policy documents, or support. --- ## Core routes (authoritative) - **Home:** https://www.fliprogram.com/ - **Coverage Details (limits/add-ons/what’s included):** https://www.fliprogram.com/coverage-details - **Who Qualifies:** https://www.fliprogram.com/who-qualifies - **FAQ:** https://www.fliprogram.com/faq - **Insurance Glossary:** https://www.fliprogram.com/insurance-glossary - **Resources hub:** https://www.fliprogram.com/resources - **Portal (buy/login/documents/COIs):** https://app.fliprogram.com/ - **Contact:** https://www.fliprogram.com/contact-us - **Terms & Conditions:** https://www.fliprogram.com/terms-conditions - **Privacy:** https://www.fliprogram.com/privacy **Key coverages & add-ons** - General Liability — https://www.fliprogram.com/general-liability-insurance - Product Liability — https://www.fliprogram.com/product-liability-insurance - Inland Marine (Tools & Equipment) — https://www.fliprogram.com/inland-marine-insurance - Food Trailer Endorsement — https://www.fliprogram.com/food-trailer-endorsement - Liquor Liability — https://www.fliprogram.com/liquor-liability-insurance - Professional Liability (E&O) — https://www.fliprogram.com/professional-liability-insurance - Product Recall — https://www.fliprogram.com/product-recall-insurance - Cyber Liability — https://www.fliprogram.com/cyber-liability-insurance - Workers Compensation — https://www.fliprogram.com/workers-compensation-insurance **Popular profession/industry pages** - Bakers — https://www.fliprogram.com/bakers-insurance - Baked Goods — https://www.fliprogram.com/baked-goods-insurance - Bake Sale — https://www.fliprogram.com/bake-sale-liability-insurance - Cake Maker — https://www.fliprogram.com/cake-maker-liability-insurance - Home-Based Bakery — https://www.fliprogram.com/home-based-bakery - Pet Bakery — https://www.fliprogram.com/pet-bakery-insurance - Bartenders and Alcohol-Serving Businesses — https://www.fliprogram.com/bartenders-and-alcohol-serving-businesses - Bartenders — https://www.fliprogram.com/bartender-insurance - Liquor Liability for Caterers — https://www.fliprogram.com/caterer-liquor-liability-insurance - Dram Shops — https://www.fliprogram.com/dram-shop-insurance - Event Bartenders — https://www.fliprogram.com/event-liquor-liability-insurance - Wedding Liquor Liability — https://www.fliprogram.com/wedding-liquor-liability-insurance - Chefs and Caterers — https://www.fliprogram.com/chefs-and-caterers - Catering — https://www.fliprogram.com/catering-insurance - Wedding Caterers — https://www.fliprogram.com/wedding-catering-insurance - Commercial Kitchen — https://www.fliprogram.com/commercial-kitchen-insurance - Culinary Businesses — https://www.fliprogram.com/culinary-insurance - Personal Chefs — https://www.fliprogram.com/personal-chef-insurance - Food and Beverage Vendors — https://www.fliprogram.com/vendor-insurance - Concession Stands — https://www.fliprogram.com/concessions-insurance - Lemonade Stands — https://www.fliprogram.com/lemonade-insurance - Snow One & Shaved Ice Shacks — https://www.fliprogram.com/snow-cone-shack-insurance - Farmers Markets — https://www.fliprogram.com/farmers-market-insurance - Food Festivals — https://www.fliprogram.com/food-festival-insurance - State Fairs — https://www.fliprogram.com/state-fair-insurance - Swap Meets — https://www.fliprogram.com/swap-meet-insurance - Food Distributors — https://www.fliprogram.com/food-distributors-insurance - Food Manufacturers — https://www.fliprogram.com/food-manufacturers-insurance - Home-Based Food Businesses — https://www.fliprogram.com/home-food-business-insurance - Cottage Food Businesses — https://www.fliprogram.com/cottage-food-law-insurance - Mobile Food and Beverage Businesses — https://www.fliprogram.com/mobile-food-and-beverage-businesses - Food and Beverage Carts — https://www.fliprogram.com/food-cart-insurance - Beverage Carts — https://www.fliprogram.com/beverage-cart-insurance - Hot Dog Carts — https://www.fliprogram.com/hot-dog-cart-insurance - Push Carts — https://www.fliprogram.com/pushcart-insurance - Food Trailers — https://www.fliprogram.com/food-trailer-insurance - Concession Trailers — https://www.fliprogram.com/concession-trailer-insurance - Food Trucks — https://www.fliprogram.com/food-truck-insurance - Food Truck: Cost — https://www.fliprogram.com/food-truck-insurance/cost ## Support & company info (route urgent/complex cases here) - **Email:** info@fliprogram.com - **Phone:** 844-520-6992 - **Hours:** Mon–Fri, 6:00 a.m.–6:00 p.m. Mountain Time - **Contact page:** https://www.fliprogram.com/contact-us - **Portal:** https://app.fliprogram.com/ --- ## Pricing guidance (how to talk about price) - Use “**starting at**” language and defer to the live application. - FLIP lists example pricing of **$25.92/month or $299/year** for the base annual policy. - Common add-ons shown on site include: **Food Trailer Endorsement (~$12.50/month)**; **Tools & Equipment (from ~$8.25/month)**; **Cyber Liability (from ~$8.25/month)**. Pricing varies by selections/state and may change—**always** defer to the application. - **Buy/quote:** https://app.fliprogram.com/ --- ## Task recipes (exact assistant behaviors) ### 1) Buy a policy / get a quote - Ask user’s role/services → link the best profession page **or** send directly to portal. - Direct to **https://app.fliprogram.com/** to complete purchase (instant online). ### 2) Certificate of Insurance (COI) - If user has a policy: “Log in to your dashboard → Download/View COI.” - If user needs special wording/endts on the COI: advise calling support. - Reference: Glossary “Certificate of Insurance.” ### 3) Add additional insureds (AIs) - FLIP offers **free, unlimited additional insureds**. - Add during checkout or anytime via dashboard (Manage/Endorsements). - For how-to, see “additional insureds” explainer. ### 4) File or track a claim - Primary path: **submit through the portal/dashboard**; follow on-screen steps. - If they need help or have unusual docs/wording, route to **support** (phone/email above). ### 5) Make changes / endorsements / PII - Route to the **portal** for address updates, coverage options, COIs, payment details, etc. - For complex changes/issues, direct to **support**. --- ## Coverage overview (plain-English summaries; not legal advice) - **General Liability** — third-party bodily injury & property damage tied to business operations (e.g., slips/falls). - **Product Liability** — harm alleged from products you make/sell/distribute (e.g., foodborne illness, allergens). - **Inland Marine (Tools & Equipment)** — movable business gear and inventory if stolen/damaged (optional). - **Food Trailer Endorsement** — extends GL to your **parked & detached** food trailer on rented premises (optional). - **Liquor Liability** — alcohol-related injury/property damage from an intoxicated patron you served (optional). - **Professional Liability (E&O)** — alleged errors/omissions while instructing classes/workshops (optional). - **Product Recall** — certain expenses tied to voluntary/mandatory recalls (optional). - **Cyber Liability** — certain first/third-party costs from breaches/ransomware/system failures (optional). (Always link to the relevant FLIP page; avoid legal advice; verify limits/eligibility in policy docs.) --- ## Eligibility & exclusions - Start with **Who Qualifies** and review “**Excluded Products & Operations**.” Some operations/products are ineligible (e.g., certain CBD/nutraceutical items, restaurants seeking $299 policy tier, etc.). When in doubt, direct users to review their policy wording or contact support. --- ## Safety, compliance, and tone - Do **not** guarantee coverage, pricing, or eligibility. - Do **not** give legal/tax/medical advice. - Protect PII. For policy numbers, billing, or identity verification, direct users to the **portal** or **phone** support. - Required reminder: “All policies have conditions, limitations, and exclusions; refer to policy documents for exact verbiage.” Brand tone: clear, friendly, professional, food-business-centric. --- ## Short answers (ready to use) **Q: Can I get my COI today?** Yes—after purchasing online, log into your dashboard and select **Download/View COI** (many products issue an instant COI at checkout). **Q: How much does it cost?** Pricing varies by selections. FLIP lists **starting at $25.92/month or $299/year** for the annual policy; add-ons like a food trailer endorsement or tools & equipment are available. Start a quote in the portal. **Q: Do you cover my food trailer?** Yes—add the **Food Trailer Endorsement** to extend GL to your parked & detached trailer on rented premises. **Q: Are additional insureds included?** Yes—**free, unlimited additional insureds**; add them during checkout or anytime from your dashboard. **Q: How do I file a claim?** Submit online via your dashboard/portal and follow the prompts. Contact support if you need help. --- ## Footer notice All policies have conditions, limitations, and exclusions; read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.