Who We Insure
FLIP provides food liability insurance for small food businesses whether you make, sell, or distribute a food product.
Don’t see your service listed above? Don’t worry, our experienced agents may still be able to tailor a policy for your specific business needs.
Excluded Products & Operations
Please refer to the list of excluded products and operations below to ensure you can get the coverage you need. If your gross sales exceed $1,000,000, please contact us for other coverage options.
- Alcoholic beverages or products, including serving, selling, or subcontracting (unless you have a liquor liability policy)
- 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 any fixed/permanent location
- 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 are not eligible for $299 FLIP coverage
- Tobacco-related products including e-cigarettes and smokeless products
- Topical products including soaps, lotions, and bath products
