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Legal Disclaimer

Conditions for Web Site Use

By using this web site, you signify your agreement to the terms and conditions contained in any legal notices contained on this web site. Please read all agreements carefully, including our Privacy Policy. We reserve the right to add, delete, or otherwise modify portions of any terms at anytime. User access to and use of this web site is subject to all applicable federal, state, and local laws and regulations.

General Information

Any applications, policy forms, or other documents on this web site are for general information only. Customers and policyholders are hereby advised that does not warrant that forms on this web site are’s current forms, represent coverage provided to any insured, or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms.

Use of material from this site web site (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the United States and other countries. We authorize you to browse through the web site and print and download copies of material on the web site for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the web site in any manner or medium.

Refund Policy

At Food Liability (FLIP) Insurance, all of our policies are 100% fully earned. This means that once a customer’s coverage begins, FLIP policies are non-refundable. However, in rare circumstances, a cancellation may be permitted. On these occasions, a cancellation fee will be charged. The one exception to this rule is when one of FLIP’s compliance officers decides the customer’s business is not compliant with a FLIP Insurance policy. This decision is made within three business days of the customer purchasing a policy. In this instance, the customer’s policy will be cancelled as if they had never bought the policy in the first place, and they will be offered a full refund immediately, though it may take some time for the customer’s bank to post the refund to their account.

"AS IS" Use

The materials on our web site are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course of performance. We do not represent or warrant that the functions contained in the web site will be uninterrupted or error-free, that defects will be corrected, or that the web site or the server that makes the web site available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the web site in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.

Limitation of Liability

Your use of the web site is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we, nor any third-party, as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the web site or any other site you access through a link from the web site or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed $100.00.

Jurisdictional Agreement

Use of this web site shall be governed by and construed in accordance with the laws of the State of Utah, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state courts located in Utah County, Utah or the federal court located in Utah County, Utah, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any material on the web site, or your use of the web site, is contrary to the laws of the place where you are when you access it, the web site is not intended for you, and we ask you not to use the web site. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.

Coverage Territory

Your policy coverage territory is the United States (its territory and possessions), Puerto Rico, and Canada. There is no liability or business personal property coverage for losses that occur outside the coverage territory. Please refer to your policy for a complete list of exclusions, conditions and definitions.

General Provisions

Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions.

Copyright Notice

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Trademark Notice’s designs, graphics, and logos contained on this site are trademarks of and may not be used without the express written consent of

Privacy Notice

Please see’s Privacy Policy.