About the Food Liability Insurance Program or FLIP

FLIP is an online insurance policy explicitly designed to insure small food businesses that make or sell, and distribute their food product. Food liability insurance is a legitimate policy and has the high-quality, low-cost insurance you need to create a financial safety net for your business. We've helped thousands of business owners protect their businesses from the cost of claims. 

The FLIP policy is managed by Veracity Insurance and has been in business for over 10 years. The insurance carrier for this policy is Great American Insurance Group.

Once you purchase your General and food liability insurance policy through this website, it will become active on the date you selected during the application process. After verifying your payment, the policy documents will be automatically emailed to you. You'll then be able to access your FLIP user portal, where you can view and print your insurance certificate and documents. Additionally, you can add additional insured parties and manage your account online around the clock. will activate on the date you selected on the application, and policy documents will automatically be emailed to you after the payment is verified. 

What rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Great American Alliance Group, an insurance provider known for its financial stability and excellent customer service with A+ AM best rating.

What type of policy is this...claims made or occurrence form?

FLIP is an occurrence-form policy managed by Veracity Insurance. Under the “occurrence” form policy, you are covered for alleged acts of negligence that occurred while the policy was in effect. It does not matter if the coverage is in effect at the time the claim is made. The benefit of occurrence coverage is that even if you cancel your policy at some future date, you will still have coverage for events that occurred while the policy was in effect. For example, you buy a policy in 2014, treat Client A in 2014 and terminate the policy 2015. In 2016, Client A sues you for an incident that occurred in 2014. You are covered, because you were insured when you treated Client A. With an occurrence policy, it does not matter if you are covered when the suit is brought.

Where can I read reviews about this policy?

Reviews for this policy can be found here: https://www.facebook.com/FLIProgram/

What do we do with your email?

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have filled out an application, you will have agreed to our email/phone use statement. If you have filled out the first step of an application, provided FLIP with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application.

You can unsubscribe from Newsletters & Misc. Marketing Emails by clicking the unsubscribe link at the bottom of the email.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the number (844)520-6992. 

Chats - The chat feature is currently being used. The chat  We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours. 

Email - For all changes to the policy or for things that are not urgent, sending an email will be the smart way to communicate. Please allow one business day for a reply from one of our email agents. info@fliprogram.com.

Does FLIP have an 800 number?

FLIP does have an 800 number. (844)520-6992

Can I speak with an agent, representative, or broker?

While our agents are available via our phone line, it might take them a while to answer the phone due to higher-than-anticipated call volumes. We are happy to answer your questions here in this chat forum. If you would like to call, here is our number (844)520-6992.

Hello, my name is (insert name here)

Hey there (insert name here)! What questions can I help with today?

Can someone call me back?

While I can't have someone call you back, I offer some options. I can answer your questions here. If, during normal business hours, I am unable to answer your questions, I will send you to a live agent who could then help. If they cannot help, they will be happy to get you to have someone call you back. If you would still like to speak with someone on the phone, please call (844)520-6992. Please note that a phone call most likely will take longer than the chat option.

Business hours

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policyholders once a policy has been purchased to allow them to manage their policy and access their documents. The login button is located in the top right corner of the FLIP webpage, or you may click here: Login

How do I log in to my account?

To log in to your account, click on the Login button located in the top right corner of the FLIP webpage. Enter your email address used to purchase the policy.

If the account status is showing as inactive, please reach out to us via phone or email to request activation. 

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do I Reset my password?

If you need to reset your password:
1. Click on Forgot Password.
2. Enter your email address
3. A link to reset will be sent
4. The new password must have at least eight characters.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under "My Policies." Double click on the document to download and/or print the document.

Do I have an assigned agent?

You do not have an assigned agent, but rather, you have access to our team of customer service reps who are licensed insurance agents trained in FLIP and may assist you with your policy and questions.

For specific questions about your current or renewing policy, please get in touch with us. 

If you have any questions or need assistance, please contact us by chat, phone at 844-520-6992, or via email at info@fliprogram.com.
If you are interested in a partnership with FLIP please go here: https://www.fliprogram.com/partnership
For appointed agents and brokers go here: https://www.veracityvue.com/

So you want to get started with the purchase of your policy. Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is simply not the case. It would be impossible to list every single scenario where a claim could be made. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, this policy is intended to insure small food businesses. Then, the policy begins to cut out and exclude certain groups of people and operations. With FLIP the following groups of people have been excluded:  

• Alcoholic Beverages or Products (Includes Serving, Selling, or Sub-Contracting)
• Animal/Livestock Feed (This Does Not Include Pet Products) Any Product Requiring a Prescription
• 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 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

Can I get this policy if I own a commercial farm?

This policy is designed to insure those who own a family farm but not a commercial farm. Commercial farming operations are large scale operations generally hundreds or even thousands of acres and employ farm hands and other skilled labor and large equipment to manage. We would consider this person's "farm" a family or hobby farm operation.

How many acres is too big for the FLIP policy?

This policy is designed to insure those who own a family farm but not a commercial farm. Commercial farming operations are large scale operations generally hundreds or even thousands of acres and employ farm hands and other skilled labor and large equipment to manage.

Does FLIP insure catering businesses?

FLIP's policy works to insure catering businesses. To get started, please go to our website and click one of the buy buttons.

Does FLIP insure commissary kitchens?

At this time we do not have a policy for commissary kitchens themselves. However, we do offer a policy for those in the food industry who utilize commissary kitchens. If the kitchen needs to be added as an additional insured on the policy of someone in the food industry, we can help fulfill those needs.

Can I get the policy if I have gone through bankruptcy?

Bankruptcy does not have any effect on you purchasing a policy. We do not pull your credit.

Where can I get more information about what is on the policy?

We invite those interested in the policy to go over the policy and ask our agents if there are any questions. Our website is also full of information. 

FLIP Sample policy 
FLIP coverage details: https://www.fliprogram.com/coverage-details.

Do I need to provide FLIP with my tax ID when purchasing the policy?

While a tax ID may or not be required depending on what you are doing, FLIP does not require you to provide that information. Be sure to check with your local and state governing agencies to see what is required to conduct your business legally, as this is a requirement to stay compliant with your FLIP policy.

Do I need a tax ID to get a policy?

A tax ID may or may not be needed depending on what you are doing in your business. We require (as do all insurance policies) our policyholders to do business according to the law. If your state or local law requires you to have a tax ID, it would also be required by the insurance policy. We recommend going to your local government to ask them if it is needed for you to do business.

What are some of the timelines regarding the policy?

1. It takes 5-10 minutes to purchase (order time). Your payment is withdrawn immediately when the application is submitted.
2. It takes less than 5 minutes to access your policy documents or to make changes to your documents through your dashboard.
3. Our typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

The annual policy can be purchased within three months of the start date. The payment is taken when you submit your application, and coverage begins on the date you choose. We are in the process of making this policy available until the master policy is renewed.

How long is this policy good for?

The FLIP Annual policy starts at $299 or $25.92/month and is a 12 month policy from the date you choose on the application.

Please note that if you are attending multiple events throughout the year, it might be more cost-effective to go with the annual policy.

What if I need coverage 1, 4, 5, or 6 days? Can I choose specific days of coverage?

We are not able to tailor a policy for a specific number of days. FLIP currently does not offer a short term policy.

Can I purchase a policy for only a few months?

While the FLIP policy is an annual policy, we do offer a monthly payment option. As an initial (sometimes referred to as a down payment) payment (non refundable) we do require that the first and last month's be paid upfront along with any taxes and fees. This will enable you to pay for a few months and not be stuck with the full year.

What if I only need the policy for a few months?

While the FLIP policy is an annual policy, we do offer a monthly payment option. As an initial (sometimes referred to as a down payment) payment (non refundable) we do require that the first and last month's be paid upfront along with any taxes and fees. This will enable you to pay for a few months and not be stuck with the full year.

Can I save the progress I have made in my application?

Applications can only be saved for a few days. After that, they are discarded. This is done in case the pricing structure is updated. To save your application, you must get past the step where you add your email address to create an online account (profile).

How to purchase FLIP Insurance

How do I purchase/sign up for the policy?

To get a quote or to purchase/sign up for the FLIP policy click on any "Buy/Buy Now" button to get started.

Buy

1. Select Buy Now/Buy a policy 
   You will then be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, view your quote and select purchase policy. You will be charged once you submit your online application.

On the application the Policy Holder Information will be your information or the name of the individual/business that needs to be insured.

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation, and/or Partnership/Joint venture. If you do not have a registered business, your business type would be an Individual/sole proprietor.
If you change the structure or business type of your business after the policy has been purchased, an agent may update that for you by emailing info@fliprogram.com.

Gross sales

The question regarding gross sales is there to help calculate your final price. You can choose a higher amount after the policy has been purchased. The gross sales are how much total you make before taxes during a full calendar year.

What category should I put my product under?

When selecting the proper category for your product, please select all that apply and other if needed.

Where can I state where I heard of you guys?

The application offers a place where you can let us know where you heard about us.

Is your website having issues/down?

What is the website doing?

Pricing/payment information

How much does the policy cost?

• Starting at $299 a year $25.92/month, is the annual policy. This policy will give you a full 365 days of coverage from the policy start date. At the check out you can select to pay either Annually or Monthly before you pay. If you would like to change your payment option for the next policy term you can do this 30 days before renewal. We are not able to change this mid term currently.

The application is quick and simple. If you get stuck on a question, please do not hesitate to reach out.

To get started with the application, click the "Buy" button for the desired policy anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase.

For monthly payments, the first payment includes the first and last months payment plus any fees/taxes. The quote will show the initial payment and then the scheduled payment plan after.

Your quote for monthly payments will include the first and last months payment plus any fee/taxes. 

If you are not sure if a payment went through for the policy purchase, there will be a Policy assigned or documentation available for the purchased policy that will indicate the payment is made. You will also receive an email welcoming you.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance.

Can I get a quote over the phone?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance. (844) 520-6992

Can I call someone to start quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance. (844) 520-6992

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on the selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

Do you provide a promo code/discount/coupon?

We do not currently have any discounts at this time. If you are attending an event, please check with the event coordinator for a discount code if they have one.

Do you have any current promotions?

We do not currently have any discounts at this time. If you are attending an event, please check with the event coordinator for a discount code if they have one.

Is there any benefit/discount/rate break when going with the annual payment policy?

The benefit of paying for the policy upfront, is that you will not pay the monthly payments fee associated with the monthly payments plan.

How to answer the "How did you hear about us" question.

To answer the "How did you hear about us" question, please select the answer that best fits the question and "other" if applicable.

I tried using a coupon I found online but it is not working.

We do not recommend using coupons that were found online. I do not have any coupons to offer at the moment. This policy has been priced to be the most affordable of its kind.

How do I get a referral code for a friend?

Great question! We do not currently have any referral codes at this time. If you are attending an event, please check with the event coordinator for a discount code if they have one.

Does FLIP compensate someone who refers someone else?

Because of federal law, we are unable to compensate someone who refers someone else to us. However, we appreciate it when someone is referred to us. If you like what we do, your friends and family would like to enjoy the same benefits as you.

I tried purchasing the monthly option but it took the whole year's payment upfront.

I am sorry to hear there was an issue with your payment. Please send us an email to info@fliprogram.com to get this resolved.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed user-friendly applications. These applications calculate the policy's appropriate cost accordingly based on your information entered. The annual policy and our applications have proven efficient in providing accurate price assessments. Click here to get to the application.

Why is are your prices so affordable/cheap?

- FLIP policies are purchased and serviced online. Our customers are not paying for overhead expenses such as:
•An office in every town
•Furnishings for every office
•Commissions

-Since we specialize in small business and niche market policies, we understand the needs of our clientele. We work hard with our carriers to ensure we offer the best possible prices.
One of the ways we do that is by using a Risk Purchasing Group (RPG). See below.
- We are a paperless company. We can pass those savings on because we are not spending money to send you your documents.
We aim to save our customers money and provide the best products and services possible.

How do I know if the payment went through/if the policy has been purchased?

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Do you offer monthly payments with the annual policy?

Yes, we do offer monthly payments with the Annual FLIP policy.

The General and Liquor liability policy does not have a monthly payment option.

Can my price go up?

The price of a policy can indeed increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the policy's price may be adjusted accordingly at the time of renewal. However, it is important to note that the price of a policy cannot increase during the policy period that it covers.

Can I raise the deductible to lower the payment?

The deductible cannot be increased, and the payment cannot be lowered at this time.

What types of payment do you accept?

We accept debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, Apple Wallet, or payment information provided over the phone or email.

Rest assured that your payment information is securely processed through our encrypted payment gateway. Your sensitive data is protected to ensure a safe and secure transaction every time you shop with us.

For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information provided matches the details associated with your card to prevent any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

Does FLIP accept checks?

FLIP does not accept checks at this time. We currently accept debit or credit.

How do I add a card from Apple Wallet, Venmo, PayPal, or any other alternative form of payment?

We currently do not accept any other forms of payment (such as Apple Wallet, Venmo, PayPal, etc.) other than traditional debit or credit cards.

Can I use Apple Wallet, Venmo, PayPal, or any other alternative form of payment?

We currently do not accept any other forms of payment (such as Apple Wallet, Venmo, PayPal, etc.) other than traditional debit or credit cards.

Can I use my (bank) account information to pay for the policy?

Your (bank) account can only be used through debit or credit cards.

What the first month's payment consists of.

The initial payment includes the first and last month's payment plus any fees and taxes (Tax amount may vary depending on your state). This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

Can I pay for the remainder of the policy early if I purchase with the monthly payment option?

At this time, we do not have the option to pay the monthly payments off early. 

I will do the payment/application later.

You can come back within a few days of starting the application to finish it. If you return after a few days and cannot log in, you must start over.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

1. Login to your dashboard (AKA your online account)
2. Click the “Payment Profiles” button under the “My Profile” section
3. Click on “Update” to add a different card to your account or to modify an existing card OR
   Click on “Add new card” if you would like to add a card to your account
4. Enter Card information
5. Click the Submit/Update button
   *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

If you have any questions or need assistance, please contact us by chat, phone at 844-520-6992, or via email at info@fliprogram.com.
If you are interested in a partnership with FLIP please go here: https://www.fliprogram.com/partnership
For appointed agents and brokers go here: https://www.veracityvue.com/