Food Liability Insurance Program (FLIP)

COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: https://www.fliprogram.com/coverage-details

FLIP policy coverage limits

General Liability Aggregate Limit.......$2,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit......$2,000,000

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit........$1,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident. There is no deductible.

Personal and Advertising Injury........$1,000,000

This coverage helps protect you from claims against your business, like infringed copyrights or reputational harm. There is no deductible.

Damage to Premises Rented to You Limit...........$300,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. AFTER 7 days the policy will only cover damage to the structure caused by fire. There is no deductible. This coverage is a set limit and cannot be increased.

Medical Expense Limit.......................$5,000

Tools, and Equipment (INLAND MARINE) Coverage.  

Inland marine is an optional coverage that does not come with the general liability policy. It can be purchased as an add-on. There is no deductible.

 Select your desired amount of Inland marine coverage to add to the Annual policy:

• $5,000 per item/ $10,000 aggregate: +$99 ($8.25/month)
• $10,000 per item/ $50,000 aggregate: +$339 ($28.25/month)

Business Personal Property Deductible per claim .........$250

Also known as Inland Marine Insurance, this coverage is designed to protect property you use to run your business in the case of third-party theft or damages. This does not cover structural property like a building. This coverage is not intended to provide indemnity for the value of the final product, but to cover the cost of materials to repair or replace items if damaged by a covered cause of loss. We do not require a list of your equipment, tools, or supplies. 

My city requires me to obtain liability coverage. Will this policy work?

To determine whether this policy fulfills your city's liability requirements, the type of coverage and the limits of those coverages will be needed. If you have those requirements, please post them here (please do not send a picture), and I will be happy to answer whether we can fulfill them. If you are unsure what they are, we recommend obtaining an email from them with those requirements.

What is the deductible?

The only deductible the FLIP policy has is if you make a claim and use the Business Personal Property (BPP) coverage. This coverage insures the property that is used in your business. This deductible is $250. You will not have a deductible if your claim does not involve the BPP coverage.

Can you cover/insure the following?

Please post the requirements and I will be happy to assist you.

Can the medical expense limit coverage be increased?

The medical expense limit cannot be increased at this time. 

Does the business personal property/gear and equipment coverage insure products that are in transit?

The business personal property/gear and equipment coverage is not designed to insure products that are in transit.

What are the liquor liability limits?

The liquor liability limits vary in price based on your state and other factors. The following is a breakdown of the coverage limit options:

• $100,000 Occurrence / $300,000 Aggregate
• $250,000 Occurrence / $500,000 Aggregate 
• $1,000,000 Occurrence / $2,000,000 Aggregate

Please let me know if you have further questions.

What other coverages can I add on to my policy on the application after purchase*?

* Coverages added after purchase are paid in full and are not pro-rated.

Trailer Endorsement....................$150 ($12.50/month)

Extend your General Liability coverage to your trailer while parked on-premises, detached from your towing vehicle. This does not provide coverage for damage or theft to the trailer itself. Please refer to the Inland marine coverage.

Professional liability...............$100,000 per occurrence/ $200,000 aggregate +$125 ($10.42/month)

Professional liability deductible per claim: $1,000 

Add this coverage if you teach or do demonstrations to your annual policy.

Cyber liability..............$100,000 +$99 ($8.25/month)

Cyber liability will provide coverage for expenses that your business will be legally responsible to pay if you have a cyber attack.

Excess Liability........................up to $2,000,000 +$500 per every $1 million (from $41.67/month)

Excess liability is an additional limit added to your general liability limits. (The General liability limits remain the same.) Excess does add to the General Liability, Products-Completed, and Personal & Advertising limits.

Does FLIP provide any classes?

FLIP does not provide any classes at this time. 

How to know if your equipment is insured:

While we cannot say whether something is covered here because there needs to be an investigation by the claims adjuster, the business personal property coverage is designed to insure your  tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory).

A claims adjuster determines coverage of your business personal property after carefully examining your policy.

If you are  food vendor who travels to various locations, adding business personal property insurance to your annual policy is necessary to protect the tools of your trade.

We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.

While we do not offer an Equipment-only policy, we suggest that you check with a local insurance agent or agency for an Equipment-only policy.

Do I need a trailer endorsement for each trailer I own?

A policyholder should have one trailer endorsement for all their food trailers. The trailer endorsement extends liability coverage to your business' food trailer operations. Because of this, we limit the trailer endorsement to one purchase per policy.

What does the trailer endorsement do?

The Trailer Endorsement is designed to provide coverage when the trailer is parked and unhitched. If the trailer is stationary, this endorsement is highly beneficial as it extends general liability protection to the trailer. For coverage related to physical damage to the trailer, please refer to Inland Marine insurance, which covers business tools,equipment and inventory coverage.

Can I remove the Tools and Equipment/Inland marine coverage after purchase?

The Inland marine coverage can be removed from your renewing policy 30 days prior to renewing. To do this, click on Update Renewing policy and decline the coverage.
If your policy has recently been renewed and you wish to remove the Inland marine, please send an email to cancellations@veracityins.com with your name and policy number and request to remove the Inland marine coverage.

Can I VIN be added to my policy?

A VIN cannot be added to your policy. This policy is not designed to insure your vehicle or trailer while it is on the road. It is designed to insure them when they are parked and operating as a food truck or food trailer. The proper place to add you VIN will be through your commercial auto policy.

Do I need to add the VIN (Vehicle Identification number) to my policy?

Because of the nature of our policy, the VIN is not something we need or require. We do not offer liability coverage to your vehicle or trailer while on the road. We only offer coverage to food businesses while operating the sales portion of their business. Because of this reason, the VIN is not required.

Can I increase my liability limits?

Yes, that can be done by adding Excess liability. Excess liability or Additional limits up to $2 million can be added to your policy on the application or after purchase from your online account. It would be in addition to your general liability limits. To add Excess liability from your online account, please follow the steps below:
1. Log in to your account
2. Click on Change policy options > Purchase add-ons
3. Select your desired Excess liability limits. 
4. Click the Purchased selected options button and submit payment for the coverage. 

The fee to add Excess liability from your account is:
$1 million Excess liability limit - $500
$2 million Excess liability limit - $1,000

For excess liability limits higher than $2 million, don't hesitate to get in touch with us, and we will go through our sales team to get you a quote.

What is Excess liability?

Let's review what excess and umbrella insurance are. They both do the same thing by increasing the total liability coverage of the policy. For example, if you purchased a General liability policy with $1 million dollars per occurrence and $2 million dollars in aggregate and needed to increase one or both of those limits, an excess/umbrella policy would be the best option. By adding Excess liability for $1 million, the total policy limits would be changed to $2 million per occurrence/ $3 million aggregate.

We do not offer Excess liability for Liquor liability. Excess liability does not increase your damage to premises rented to you or the medical expense limit. Excess does add to the General Liability, Products-Completed, and Personal & Advertising limits.

Can I get a hold harmless agreement through FLIP?

Hold harmless agreements are not insurance related. FLIP is unable to provide these as they are a legal document. We recommend reaching out to the party who is asking for a signed copy of this document to see if they can provide you with a copy of one.

Can I add Hired, non-owned auto (HNOA) to my policy?

Hired, Non-Owned Auto (HNOA) cannot be added to your policy. A stand-alone HNOA policy can be purchased through a local agency.

Does FLIP offer sexual molestation insurance?

FLIP does not offer sexual molestation coverage at this time. We recommend seeking a local agency for this type of coverage.

Does FLIP offer dental insurance?

FLIP does not offer dental insurance at this time. We recommend seeking a local agency who can provide this type of coverage.

Can auto/car insurance be added to a Certificate of Insurance (COI)?

At this time we do not offer any type of auto insurance. For this reason it cannot be added to a COI.

Does FLIP offer an event policy?

• FLIP offers a liquor event policy.
• FLIP does not offer a food liability event policy.
• We do offer a monthly payment plan with the food liability policy.
• Another option is through another one of our policies, ACT Insurance.

Can I get a short-term, 1-3 day policy for bartending/liquor liability?

The FLIP liquor policy is designed to cover/insure bartenders for either a 1-3 day period or annually.

Does FLIP offer short-term policies?

• FLIP offers a liquor event policy.
• FLIP does not offer a food liability event policy.
• We do offer a monthly payment plan with the food liability policy.
• Another option is through another one of our policies, ACT Insurance.

Does FLIP offer recall insurance?

FLIP does not offer product recall insurance at this time. We recommend reaching out to a local agency for this type of coverage.

Can I add excess liability to the damage to premises rented to you coverage?

Excess liability will only work to increase the general and product liability coverages. At this, time there is not a way to increase the amount of damage to premises rented to you coverage. Excess does add to the General Liability, Products-Completed, and Personal & Advertising limits.

Liquor liability

Liquor liability tiers and pricing

Platinum

This policy starts at $453 a year and is designed to insure liquor liability and general liability. The platinum option is best for businesses that serve food and alcohol. It comes with both the liquor liability options and the general liability policy. 

Gold

This policy starts at $300 a year and is designed for caterers, food trucks, concessionaires, private chefs, and bartenders. It is best for businesses that need long-term alcohol coverage. A general Liability policy must have been purchased previously to have this policy. If you do not already have general liability coverage, we recommend going with the Platinum option. 

Silver

This policy starts at $150 for a 3-consecutive day policy. For caterers, food trucks, concessionaires, private chefs, and bartenders. It is best for businesses that need short-term alcohol coverage. General Liability policy included. 

Bronze

This policy starts at $100 for a 3-consecutive day policy. For caterers, food trucks, concessionaires, private chefs, and bartenders. It is best for businesses that need short-term alcohol coverage. A general Liability policy is required.

What are the exclusions (operations the bartending policy does not cover/insure) for the bartending policy?

• BAR AND/OR TAVERN
• WINERY, BREWERY, DISTILLERY
• WHOLESALE DISTRIBUTOR
• COUNTRY CLUB
• PRIVATE/FRATERNAL CLUB
• RETAIL LIQUOR STORE
• CONVENIENCE STORE
• COMEDY CLUB
• DINNER THEATRE
• ADULT/STRIP CLUB
• NIGHTCLUB
• POOL/BILLIARD HALL
• BOWLING ALLEY
• RESTAURANT
• BANQUET/CATERING HALL

Can FLIP insure my bar/tavern?

FLIP liquor liability is not designed to insure your bar/tavern. We recommend seeking a local agency who can provide coverage for your business.

Does FLIP come with hazard insurance.

FLIP does not come with Hazard insurance. Hazard Insurance can be found on a home owners policy, not a commercial policy. This policy comes with the following types of coverages:

• General Liability Aggregate Limit.......$2,000,000
• Products-Completed Operations Aggregate Limit......$2,000,000
• Personal and Advertising Injury........$1,000,000
• Damage to Premises Rented to You Limit...........$300,000
• Tools, and Equipment (INLAND MARINE) Coverage.  

Is the FLIP liquor policy available in all 50 states?

The FLIP Liquor policy is available in all states except for Alabama, Vermont, Washington DC, Alaska, Arkansas, Hawaii, Iowa, New Hampshire, Pennsylvania, and West Virginia. If you live in one of those states and desire to purchase liquor liability, please reach out to a local insurance agency.

Can I add the liquor policy to my FLIP policy and if so how?

FLIP liquor can be added to the regular FLIP policy. To add the FLIP liquor to your FLIP policy, please log in to your account and click the "add a policy" button. Once there, select the option that works best for your needs. The application will be simple, and will let you know how much it will be. 

I am looking for a liquor liability policy which supplies bartenders.

FLIP does not offer a policy that supplies bartenders. We are able to offer coverage to bartenders and small bartending businesses. A bartender would need to be either an owner of the business, a business W-2 employee, or a business partner. We do not cover 1099 independent contractors working for an insured.

Where can I purchase this policy?

This policy is available for online purchase in every state in the United States with the exception of Missouri (MO).  

You must be based in or domiciled in the U.S. to purchase the policy. There was a recent decision that our coverage can no longer be purchased in the state of Missouri. However, even though the policy can no longer be purchased in Missouri, if you have the policy it can be used in all 50 states.

Where can I purchase the liquor liability policy?

The liquor liability policy can be purchased in any U.S. state except for Alabama (AL), Vermont (VT), Washington DC, Alaska (AK), Hawaii (HI), Iowa (IA), New Hampshire (NH), Pennsylvania (PA), and West Virginia (WV). It is also not valid in international waters.

Where can I use this policy?

The Coverage territory for this liability policy is the 50 U.S. but it cannot be purchased if you are based out of Missouri. It is also valid in its territories, Puerto Rico and Canada. This means that the policy can insure you in the U.S., 50 states, U.S. territories, Puerto Rico, and Canada, but you must first be domiciled in the U.S. to be able to purchase the policy.

The policy is not location-specific and will follow your covered business operations anywhere in the U.S. 50 states with the exception of Missouri.

To purchase the policy you must first be domiciled or based in one of the U.S. 50 states. If you or your business are based in Missouri, Canada, or outside of the U.S., we cannot insure you.

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For further information or to discuss other insurance options we provide, please do not hesitate to contact us. We are here to assist you in any way we can.

Other coverage considerations

Can I use this policy for private label operations?

This policy is designed to insure businesses who do not make their product but put their label on products that were no manufactured by them (also known as private label). 

Does the FLIP policy cover/insure weather related events?

The FLIP policy is designed to insure some weather related events. If you are a new customer and would like to get a sample policy, please respond to this message asking for a sample policy. If you are a current policy holder and have been through a weather related event, please file a claim with us by:

1. Log in to your account by clicking the login button at the top of the page.
2. Click the "file a claim" button.
3. Fill out the form

A claims adjuster will be in contact with you within a few business days. They will do some research to determine if the incident was covered.

What types of food businesses does this FLIP policy insure?

Food businesses with gross sales that do not exceed over $500,000.

• Bakers
• Bartenders
• Caterers
• Renting a commercial or shared kitchen (e.g. Ghost kitchens, Incubators)
• Concessions
• Cottage Food law
• Farmers Market vendors
• Food/lemonade stands
• Food carts
• Food distributor
• Food festivals vendors
• Food manufacturer
• Food trailers (with the $150 trailer endorsement)
• Food trucks
• Food Vans
• Home Food businesses
• Private/Personal Chefs
• Food vendors
• Liquor liability -https://www.fliprogram.com/liquor-liability-insurance
• Private label operations

Can FLIP insure my food-related class(es)? 

FLIP can insure your food-related class(es) with optional professional liability coverage. The professional liability coverage is an additional $125 for the year. However, FLIP may or may not be the best option for your class(es). If your business only does food class(es), you will want to check out our LET policy with our trusted partner, Insurance Canopy. 

(Insert food item here)

FLIP can insure businesses that sell different types of food products as long as their products are not on the exclusions list. Please check out the FLIP exclusions list to see if your product can be covered: https://www.fliprogram.com/who-qualifies. Please reach out if you have any questions.

Does FLIP insure frozen foods?

FLIP does insure frozen foods as long as they are not listed on our exclusions list.

Does FLIP cover/insure Skoolies?

A business that uses skoolies (school buses turned into either an RV or food truck) can be insured through FLIP for their business operations when using them as a food truck. A skoolie itself is not insured as the FLIP policy is NOT an auto policy. Also, the policy is not designed to insure the skoolie for operations outside of a food truck.

Does FLIP cover/insure vending machine businesses?

FLIP can provide some coverage for a vending machine business. It would mainly be for product liability. The Inland Marine (IM or equipment coverage) would not apply because the machines are not in your care, custody, or control. 

I have a food/lemonade stand. Do I need to add that to my policy?

A food/lemonade stand is already covered under your policy and does not need to be added on.

FLIP Exclusions/Ineligible operations

While FLIP aims to provide food businesses with liability insurance, some businesses may fall outside our program guidelines; sometimes, this policy may deny coverage. You may be denied if any of the following exclusions/ineligibilities apply to you or your business:

The following operations are EXCLUDED under the policy:

• Alcoholic Beverages or Products (Includes Serving, Selling, or Sub-Contracting)
• Animal/Livestock Feed (This Does Not Include Pet Treats/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
• Tobacco Related Products Including E-Cigarettes and Smokeless Products
• Topical Products Including Soaps, Lotions, and Bath Products

Can I use this policy for a restaurant and food truck?

This policy is not designed to insure a restaurant or restaurant and food truck operation.

Does FLIP cover/insure Kombucha?

Currently, FLIP does not offer coverage for businesses that offer Kombucha. We recommend reaching out to a local insurance agency.

Can I be covered/insured if I lease out my equipment, food truck, food trailer, etc. to others?

FLIP is not designed to insure your business if you are leasing out your equipment, food truck, food trailer, etc. to others. If this is part of your business model, we recommend finding a policy that will work through a local insurance agent.

Does FLIP offer medical insurance?

FLIP does not offer medical insurance. If medical insurance is needed, please reach out to a local insurance agency.

Does FLIP insure topical, soaps, perfumes, candles, etc. type of products?

While FLIP does not insure topical products under it's brand, Veracity, the brokerage who manages FLIP has another policy that does. Please check out either the Indie Business Network (IBN) or The Handmade Soap and Cosmetics Guild (HSCG). Both organizations offer one of our other policies designed for topicals, soaps, perfumes, candles, etc. If topical, soaps, perfumes, candles, etc. as a side project in your business and the majority of what you do is food-related, we suggest getting the FLIP policy with the cross-policy endorsement. To get this endorsement, please log in to your account and click the add endorsements button. Then select the desired endorsement option as needed.

Does FLIP insure any art or art related services?

FLIP is not designed to insure any art or art related services. We recommend another policy we sell called the ACT policy. That policy might have what you are looking for.

Does FLIP insure business income coverage?

At this time FLIP is unable to cover business income coverage. If this coverage is needed, we recommend seeking out a insurance agency.

Does FLIP insure cleaning businesses?

The FLIP policy is not designed to insure cleaning businesses. For that type of policy, please visit our partner, Insurance Canopy.

Can I get coverage for sensory bins?

This policy is not designed to insure sensory bins. It is designed to insure food products. We suggest looking into a local agency for such a policy.

Does FLIP insure businesses for owners, managers or employees being absent or otherwise unable to work?

The FLIP policy is primarily designed to cover the company's liability needs. If someone from your business cannot work, you may fill out a claims form. We also recommend getting insurance for worker's compensation.

Can I get coverage for pet food or pet treats?

This policy is designed to insure pet food/pet treats but not animal or livestock feed. 

I sell (insert non food item here) at (insert place here). Can I get a FLIP policy?

At this time, we do not offer coverage for selling nonfood items. However, most nonfood items can be sold through ACT Insurance, another one of our products.

Can I get this policy if I offer food service and face painting?

If you offer food service and face painting services, you can purchase this policy allowing you also get a policy for your. We recommend another of our policies, the Beauty and Body Work (BBI) Insurance policy, for face painting. Please click here to check out our BBI policy. 

Can I use this policy as an event host/organizer or if I'm planning on hosting events?

This policy is not designed to insure your business/organization if you are hosting/organizing the event. For that type of policy, please go to The Event Helper www.theeventhelper.com. 

Can I get a short term/event policy?

We do not offer short term/event policies. The policy is an annual policy with the option of having monthly payments set up. 

Can I get home owners insurance from FLIP?

At this time, FLIP does not provide homeowners insurance. We do provide insurance for food-related, home-based businesses such as cottage food businesses.

Will this policy insure raw milk, milk sales or eggs?

The policy can insure raw milk, milk sales and eggs as long as you are doing business legally and compliant with your state laws and regulations. Also, there is an exclusion that does not cover imported produce or dairy making up more than 20% of your total sales.

FLIP Liquor Liability Coverage

If your food business operations include serving or selling liquor, you will need Liquor liability. 

The FLIP website offers an Annual or Event (1-3 day) General and liquor liability policy. It also offers a Liquor liability ONLY Annual and Event policy. Purchase the liquor liability ONLY policy if you already have an existing General liability policy either through FLIP or another insurance carrier.
Click on the link for more information: https://www.fliprogram.com/bartenders-and-alcohol-serving-businesses.

The FLIP Liquor liability insurance now offers a monthly payment option. When on the quoted price, it will allow you to toggle to a monthly price. 

If you are hosting an event that will have liquor please go to our partner The Event Helper: www.theeventhelper.com

Liquor liability operations are not insured if provided in AL, VT, DC, AK, HI, IA, NH, PA, WV.

• Operations located within these states: AL, VT, DC, AK, HI, IA, NH, PA, WV
• Any event where the insured is promoting or sponsoring any entertainment
• Any risk that allows consumption of alcohol by employees, temporary workers, independent contractors, and volunteers during hours of employment
• No operations past 2 am
• Any risk that allows drinking games, drink incentives, all you can drink specials, complimentary drinks, BYOB, bottle service or self-service.

• BAR AND/OR TAVERN
• WINERY, BREWERY, DISTILLERY
• WHOLESALE DISTRIBUTOR
• COUNTRY CLUB
• PRIVATE/FRATERNAL CLUB
• RETAIL LIQUOR STORE
• CONVENIENCE STORE
• COMEDY CLUB
• DINNER THEATRE
• ADULT/STRIP CLUB
• NIGHTCLUB
• POOL/BILLIARD HALL
• BOWLING ALLEY
• RESTAURANT
• BANQUET/CATERING HALL

What cannot be added to the policy?

Automobile (auto or car) Liability Insurance

This article explains how this policy does not offer car/auto insurance.

Is it important to have car insurance?

Given the importance of automobile liability insurance, we highly recommend contacting a local insurance agency to discuss and obtain an appropriate policy for your needs. Local agents are well-versed in the specific regulations and coverage options available in your area.

They will be able to explain the various types of automobile liability insurance policies, answer any questions, and help you select the policy that best suits your requirements.

Remember, automobile liability insurance is typically a legal requirement in most jurisdictions and is essential for responsible vehicle ownership.

Pro tip: If there is an incident for theft or other crime, please get a police report as soon as possible.

Can I add Assault and Battery coverage to my policy?

Assault and Battery coverage is not included and cannot be added to this policy. 

Assault is typically considered putting someone else in harm's way and does not have to include physical injuries. Battery, on the other hand, typically refers to a physical assault between two or more patrons that results in bodily injury.

Does FLIP insurance provide any automobile liability/car insurance?

At this time, we do not provide auto insurance. We recommend that all vehicle owners consider obtaining automobile liability insurance to safeguard themselves and others on the road.

1. Bodily Injury Liability: This coverage pays for the medical expenses, rehabilitation costs, and legal fees of individuals injured in an accident where you are at fault.
2. Property Damage Liability: This coverage helps repair or replace property, such as vehicles, buildings, or other structures, damaged in an accident for which you are responsible.

What is auto/car insurance?

Automobile liability insurance is coverage that helps protect drivers from damages or injuries they may cause to others while operating a vehicle. It typically includes two main components

Is this policy designed to insure rental equipment?

This policy can insure rental equipment if the Inland marine coverage is added. 

Does this policy cover water damage?

This policy is not designed to insure "standing water" damage. What does "standing water" mean? Standing water is a term for a permanent or temporary body of water. This includes but is not limited to lakes, rivers, oceans, streams, floods, etc.

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/

WHO IS AN INSURED

This article is what the policy states who an insured is.

1. If you are designated in the Declarations page of the policy as:

• An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner.
• A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.
• A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.
• An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
• A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

2. Each of the following is also an insured:

• a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your
  "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for:
  
  • "Bodily injury" or "personal and advertising injury":
    
    • To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business;
    • To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above;
    • For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or
    • Arising out of his or her providing or failing to provide professional health care services.
  • "Property damage" to property:
    
    • Owned, occupied or used by;
    • Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).
    • Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager.
    • Any person or organization having proper temporary custody of your property if you die, but only:
      
      • With respect to liability arising out of the maintenance or use of that property; and
      • Until your legal representative has been appointed.
      • Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.
• Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However:
  
  • Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier;
  • Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and
  • Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

Who are not insureds:

 

According to current regulations, individuals classified as 1099 workers are not eligible to be added to someone else's insurance policy, However, they have the option to purchase their own insurance policy.

How do I add an employee and/or volunteers to my policy?

This policy is designed to insure your employees and/or volunteers. There is no need to add them as this coverage is already embedded into the policy for your convenience. Please note that if you have contractors working for you, they will not be covered.

How do I change the amount of employees/volunteer I have on my policy?

Because employee/volunteer coverage is already embedded in your policy for your convenience, there is no need to adjust your policy. Please note that if you have contractors working for you, they will not be covered.

Can I insure someone I share a booth or studio with?

If those you are sharing a booth with consist of W-2 employees or other people who are on your business license, the answer is yes. Volunteers may also be insured. If they are 1099 independent contractors or just a group of people who have gotten together to share a booth or space, each individual contractor or person would need their own policy. 

What coverages or policies can I get outside of the FLIP website?

This article goes over what coverages/policies we can provide as well as coverages and policies that will need to be purchased outside of FLIP Insurance, and its partners.

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

To get workers compensation, you must be a current FLIP policy holder. To obtain a quote, please log in and click "add a policy". Please allow 3-5 business days for a member of our exectutive team to reach out. You must have at lease one w2 employee to qualify. 

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.  

How much does worker's compensation cost?

The cost for the worker's compensation has many variables such as the state you live in, the work you perform, etc. To get a quote for worker's compensation insurance, please visit our trusted partners, Insurance Canopy, at https://www.fliprogram.com/workers-compensation-insurance. Please fill out the application. An agent will get back to you in a few business days via email with a quote.

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/

How can I get my Workers Comp Policy/Verification?

If you need documents for your Workers Comp policy. Please send a request for these via email to executivesales@insurancecanopy.com. If you are waiting for a Workers comp quote, please allow at least 3-5 business days for an agent to get back to you.