Who Qualifies
FLIP Insurance is designed for small food businesses with gross annual receipts under $500,000. Whether you make, sell, or distribute a food product, you are qualified for FLIP insurance, with the exceptions of those operations on the list of excluded lines of business below. If your gross sales exceed $500,000, please contact us for other coverage options.
ACCEPTED LINES OF BUSINESS:
- Baked Goods
- Bake Sale
- Beverage Carts
- Catering
- Concessions
- Concession Trailers
- Cottage Food Law
- Culinary Businesses
- Food Carts
- Food Distributors
- Food Manufacturing
- Food Trailers
- Food Trucks
- Hot Dog Carts
- Personal/Private Chefs
- Pushcarts
- Lemonade Concessions
- College Food Vendors & Caterers
- Wedding Catering
- Commercial Kitchens (Food Vendors)
- Greek Festivals (Food Vendors)
- Farmers Markets (Food Vendors)
- Food Festivals (Food Vendors)
- Expo Centers (Food Vendors)
- State Fairs (Food Vendors)
- County Fairs (Food Vendors)
- Swap Meets (Food Vendors)
- Cake Makers and Decorators
- Home Based Bakery
- Home Food Business
- Vendor Insurance
- Street Food Vendors
- Gyro Stands/Carts
- Snow Cone Shacks / Shaved Ice
- Renaissance Festivals (food Vendors)
- Medieval Festivals (Food Vendors)
EXCLUDED PRODUCTS AND OPERATIONS:
- Alcoholic Beverages or Products (Includes Serving, Selling, or Sub-Contracting)(Liquor Liability policy needed for coverage)
- Animal/Livestock Feed (This Does Not Include Pet Products)
- Any Product Requiring a Prescription
- Any product containing cannabidiol (CBD), Hemp, or Hemp extract
- Baby Food
- Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
- Companies/Operations Not in Compliance with County, State, and Federal Food and Safety Regulations
- Diet Products or Cleanses or Pills Marketed as a 'Weight Loss' Product
- Energy Drinks
- Grocery store or supermarket retail operations owned or operated by the insured
- Health Coaching
- Importers – Produce or Dairy Making Up More Than 20% of Total Sales
- Importers – Seafood, Meat, Poultry
- Kava
- Medical Invasive Products (Intended to Stay within the Body)
- Nutraceuticals, Vitamins, Supplements, Suppositories, or Products Containing Pharmaceuticals, Drugs, or Medicines
- Nutrition Consulting
- Owner or operator of a food court / storefront
- Restaurant, Cafe, Bakery, Tavern or Similar Establishment, with Operations Where You Own or Lease the Space Where Customers Enter to Purchase Food or Beverages - Restaurants not eligible for $299 FLIP Program, requires separate application. Get quote for restaurant insurance.
- Tobacco Related Products Including E-Cigarettes and Smokeless Products
- Topical Products Including Soaps, Lotions, and Bath Products
