Manage your online account and policy documents

Do I have an online account?

With this 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 Insurance webpage, or you may click here: Login

How do I log in (logon) to my account?

To log in (logon) to your account:

1. Click on the Login button located in the top right corner of the FLIP webpage.
2. Enter your email address used to purchase the policy.

Do I have to use 2-factor authentication to login?

At this time, we do not have any 2-factor authentication requirements for logging in. 

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 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.

How do I Reset my password?

If you did not set up a password or 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.

If you are logged in to your account and want to change your password:
1. On your Dashboard page, scroll down to the "My Profile" section.
2. Click on "Create password"
3. Enter your new password. Your new password must have at least eight characters.

How to update your address, email address, DBA, phone number, or website on your policy.

1. Log in to your online account.
2. Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
3. Look for the "Edit Personal Info" button and click on it.
4. Here, you can make changes to your first and last name, as well as your address.
5. After making the necessary edits, click the "Save" button to submit your changes.
6. The new information will automatically update on your account and policy documents.
7. If you do not see the updates reflected on your documents, try refreshing the page and checking again.

I changed my personal/sole proprietor name, business name and type, how do I update that?

If you have an active policy, you cannot change your business name from your account. To update your business name and type (Sole proprietor/Individual, LLC, Corporation, or Partnership), you can email info@fliprogram.com. Please include:

1. Your name
2. Policy number
3. New business information
4. An agent will update it for you.

Please keep in mind that these policies are non-transferable. If you sold your business or the business ownership has changed, the new owner would need to purchase their own policy. The new business owner would fill out a new application on the website to purchase a policy. This policy cannot be transferred to a different individual, or business owner.

How do I change my First/Last Name on my Policy?

If you need to make corrections to your First/Last name on your policy, please email us this request to info@fliprogram.com. Please include-

1. Your name
2. Policy number
3. corrected name information
4. An agent will update it for you

Why is the name on the account listed as (insert name here)?

The name listed on your account/policy was entered during the application process. If you need to correct the name, please email us your request. Be sure to include the policy number and the information that must be changed. Please allow 1-3 business days for the request to be changed. Here is the email address: info@fliprogram.com

I just signed up but it won't let me create an account.

Once the policy has been purchased, and account will have been created already. If you just signed up, you will be able to log into your account. Please let me know if you have any trouble logging into your account and I will be happy to help troubleshoot your issue.

How do I change the date of my policy after I already purchased?

Once a policy has been purchased, please email info@fliprogram.com to inquire about changing the policy start date. If the policy is already in effect, the policy start date cannot be changed. The policy would need to be canceled and purchased new.

I want to know if I had coverage on (a) specific date(s).

To find out if you had coverage on (a) specific date(s), please log in to your dashboard and click the "my policies" button. You will see all of your policies on the right-hand side of the page. You will be able to select them and see their effective and expiration dates.

What is my policy number?

Your policy number is found on your policy documents and in your dashboard. The easiest way to find your policy number is to login to your dashboard and click the "My policy" button. On the right side of the screen will be all of your policy numbers. You policy number consists of the policy number starting with "PL" and your certificate number start with "F."

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

Your policy documents and receipts are under the "My Policies" button on your dashboard. Double-click on the document to download and/or print the document. Expired policies on your account can also be viewed under My Policies.

For specific questions about your current or renewing policy, please contact us by phone or email.

Your policy documents will contain your policyholder name, business name, policy number, policy period (coverage dates), and coverage limits.

If you need a certificate (COI) that is a separate document that is generated on your account when you add an Additional Insured.

Is my policy active?

To see if your policy is still active and if you are up to date with your payments, please log in to your online account (dashboard) by clicking the login button at the top of your page. Your dashboard will indicate if your policy is still active. Also, feel free to download your proof of insurance. Your proof of insurance will contain your policy start and expiration dates. 

What is the Hospitality & Entertainment Trade Alliance (HETA)?

The named insured is the Hospitality and Entertainment Trade Alliance (HETA) on the proof of insurance, with your name or business name listed as the policy holder.

The Hospitality & Entertainment Trade Alliance (HETA) is a Risk Purchasing Group formed to give small business owners access to the most cost-effective and comprehensive insurance possible. Risk Purchasing Groups (PGs or RPGs) are groups of policyholders with similar risks who may purchase liability insurance together as authorized by the Federal Liability Risk Retention Act of 1986. Each member/certificate holder of our online policy does not share limits with other participating members.

What is the UTA Fee?

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us.

It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

Veracity Insurance started with protecting small businesses through niche liability insurance built for the modern world. The UTA now allows us to expand on our vision of bringing small business support into the future by connecting our members with unique benefits and one-of-a-kind communities.

The UTA is above the RPG (Risk Purchasing Group) as an additional layer of protection for Veracity and our policyholders. It isn't replacing the BHTA (other RPGS), but it will remain under UTA membership. 

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. There's an additional benefits section on the customers' dashboard that has a PDF with benefits and discount codes exclusive to UTA members. 

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.

The reality of the Universal Trade Alliance is that it allows us to continue to keep prices low while offering additional benefits through partners outside of insurance. 

Can I get a binder?

We have heard the word "binder" used in many ways, including instead of "quote." If this is the case, please click one of the "buy" buttons on the website to get a quote. The application doubles as a quote calculator. If you have already bought a policy and are looking for your policy documents, please click the login button at the top-right portion of the page and go to the download documents section once logged in. The technical definition of a binder is a temporary contract provided by the insurance company while the underwriters finalize the policy contract. Since our policies are pre-written, we do not offer binders.

I just purchased a policy. Can I change my payment from monthly to annual or from annual to monthly?

Once the policy is purchased the payment type cannot be changed until the policy is up for renewal.  If the policy was purchased with the incorrect payment type, the policy would need to be cancelled and repurchased with your desired payment type. 
If your policy was just purchased and you wish to cancel:
Please login to your account,
Click on Change policy options, (select the policy number) there will be a button to cancel the policy.
If the button is not there, please send an email with your request to cancellations@veracityins.com with your name and policy number.

Can you send me my insurance documents?

To receive your insurance documents, please login to your account and select your desired document(s). They will be downloaded to your computer. If you are unable to do the above, please send us a request to info@fliprogram.com. Please note that emails can take up to 2-5 business days to process.

Where can I get/find my Declarations (Dec) Page/Proof of Insurance

Your Declarations (Dec) Page/Proof of Insurance is in your dashboard under download documents. To get to your dashboard, please click the "Log in" button at the top-right of the page.

Can I add someone on to my declarations page?

At this time there is not a way to add someone on to your declarations page. This page is designed to show who the certificate holder (the primary insured) person or party. This name is not able to be changed. 

How to use the site seal/badge.

To add the site seal/badge to your website start by:

1. Login to your dashboard
2. Scroll down to the bottom of the page and click the "Add site seal to your site" button
3. Copy the site seal code of your desire and paste it in the coding section of your website.
   *If you need further help inserting it in your site, please reach out to your website developer.

Can I get a back link/site seal/badge for my website?

To add the site seal/badge to your website start by:

1. Login to your dashboard
2. Scroll down to the bottom of the page and click the "Add site seal to your site" button
3. Copy the site seal code of your desire and paste it in the coding section of your website.
   *If you need further help inserting it in your site, please reach out to your website developer.

Where can I find a FLIP logo to place on my website/business card?

To add the site seal/badge to your website/business card, start by:

1. Login to your dashboard
2. Scroll down to the bottom of the page and click the "Add site seal to your site" button
3. Copy the site seal code of your desire and paste it in the coding section of your website.
   *If you need further help inserting it in your site, please reach out to your website developer.

Why do I have two policies/policy numbers?

Our policies will generate a new policy number each term. So while you may have two policy numbers they can be for different terms, and one should be expired/about to expire. If you have two policies listing overlapping term periods please contact us at info@fliprogram.com, and we would be happy to look into this for you. 

What is an endorsement?

An endorsement is an add-on to your policy.  Often this will be a requirement from a client or Additional Insured/Certificate holder that you may do business with. For adding an Additional insured/Certificate holder we use a standard ACORD form called a Certificate of liability (COI).

What are the endorsements that you offer?

Additional Insured/Certificate Holder endorsement options/types:

The following are the additional insured/certificate holder types/options:

• Landlord/Employer - The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Retailer/Distributor/Vendor - This is an endorsement to the manufacturer’s or supplier’s commercial general liability policy, protecting you when selling or distributing items on behalf of a manufacturer, or sourced from a supplier, particularly when the supplier is providing goods manufactured offshore. The Insurance Services Office, which advises insurance companies, created the additional insured–vendors endorsement (CG 2015) which covers liability arising from the sale of a product. This endorsement creates a CG 2015.
• Event/Show - This endorsement is designed to add the event or show your business is participating in. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.
• Additional insured, Owners, lessees, or contractors -  This $10 endorsement covers the additional insured with respect to liability caused by your ongoing operations. “Ongoing operations” does not include “completed operations.” CG 20 10
• Additional Insured - Managers or Lessors of Premises (CG 20 11)- This $25 endorsement adds a premises owner or manager as additional insured.
• Owners, Lessees or Contractors - Completed Operations (CG 20 37)- This $35 endorsement provides coverage to the additional insured for completed operations.
• State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorization. Is a $25 endorsement.

How do I add the owners type/option for additional insureds?

To add the owners option/type additional insured, log in to your account and click the "Add endorsements" button. Once there select the desired selection and make the payment. 

My city or landlord wants me to add them to my policy but I do not know which type or option to choose.

If your city or landlord is asking to be added to your policy, here are the following guidelines to add them:
If it is a short-term event, choose the Event option. If it is a longer-term rental agreement, choose the Landlord/employer option.

How do I change my commercial kitchen/landlord/additional insured?

Because an additional insured cannot be changed, the correct process would be to add a new one and remove the old one within 30 days of your expiration.

I need a letter indicating I am covered for (Insert event name or location here).

A letter indicating you are covered for an event or location is also known as an "additional insured."  Here is how to add the additional insured:

1. Login to your dashboard (ie your online account)
2. Click Add Additional Insured
3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
4. Fill in the Additional Insured name and address with the information of the person requesting the additional  insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
6. If the description of operations needs something in it, that can be emailed to us: info@fliprogram.com

Watch the How To add an Additional Insured video

How do I get in contact with the agents over the workers compensation (workers comp) policy?

If you already have a FLIP policy and have filled out the application for the worker's compensation policy and need to contact the worker's compensation policy agents, please request to chat with an agent here, give us a call at (844)520-6992, or send us an email to info@fliprogram.com.

How do I add an additional insured/Commissary Kitchen/Event?

1. Login to your dashboard (ie your online account)
2. Click Add Additional Insured
3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
4. Fill in the Additional Insured name and address with the information of the person requesting the additional  insured document
5. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
6. If the description of operations needs something in it, that can be emailed to us: info@fliprogram.com

How do I add a/an (insert location here) to my policy?

To add a/an (insert location here) to your policy, please log in to your account and click the add additional insured button. Fill in the application and then click the submit button. Your document will be generated immediately and will be available in your online account/dashboard.

How much does the additional insureds cost to add on?

Additional Insureds (AIs) can be added to the policy at no extra cost, and there is no limit to the number of AIs that can be added.

Important disclaimer for additional insured: An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether personally or professionally. Adding additional insureds includes landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. 

What is an additional insured?

Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

Other names additional insureds go by:

• Certificates of insurance (COI)
• Acord forms
• Certificate
• Certificate holder

Here is a sample of the Certificate (COI) that is provided once an Additional Insured is added. FLIP Sample

After I have added an additional insured, how do I get a copy of my additional insured document?

To obtain a Certificate of liability (COI) please add an Additional Insured. Once added, a certificate of liability (COI) will generate on your online account and also be emailed to the email provided.

I do not see a certain certificate.

If you do not have a certain certificate on file, try the following: 

1. Check in your dashboard in the download documents section. You can get there by logging into your dashboard.
2. If your certificate is not in the download documents section, you will need to add on as an additional insured. To get started with this process, please click the "add additional insured" button.

Can you email me my documents/additional insureds/endorsements?

To access your documents, please login to your dashboard and click on the desired document from the download documents section on the right of the page. If you are unable to comply with the above steps and are able to wait a few business days for a response, please send us your request via email: info@fliprogram.com

How can I edit/update an additional insured that I have already added previously?

To edit/update an additional insured who has already been added, please email a request to info@fliprogram.com. Be sure to include your policy/certificate number.

Can I have multiple names/organizations on a single endorsement/certificate?

Multiple names can be added to additional insured certificates in the description of operations section. They can be added to your document by sending us an email with this information along with the certificate number to info@fliprogram.com.

How do I add new additional insureds during the application process?

The additional insured can be added during the application process. Once the policy has been purchased, the additional insured can be retrieved in the online account/dashboard.

What is not an additional insured?

An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is the "description of operations?"

The description of operations enables you to add more information about the additional insured that cannot fit under the "certificate holders" box. For example, multiple other additional insureds, event dates, or other information regarding the event or landlord.

What is an Accord 25 form?

An Acord 25 is another name for a Certificate of Insurance (COI). It can be obtained by adding an additional insured in your dashboard.

What is a CG 2026?

The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law.  This option creates the additional insured document CG 2026.

How do I add verbiage/text in the description of operations?

Occasionally additional verbiage is requested by the certificate holder to be added to the description of operations section of the certificate of insurance (COI). When this is the case, please add the additional insured and send us an email with the requested verbiage to info@fliprogram.com. If you are unsure how to add an additional insured, please mark this response as helpful and then ask, "How do I add an additional insured?"

I sent in an email to get (insert request here) changed. When will that be done?

Email requests take 1-3 business days to process. If this change has not been completed, please call us so we can expedite this. (844)520-6992

Can I add an additional insured who is located in Missouri?

While we do not currently offer policies to Missouri residents, you can add an additional insured who is located in Missouri.

What verbiage/information should be placed in the description of operations?

The Additional Insured/certificate holder will be the one requesting any specific wording to add in the description of operations. If they are requesting to have something added to the description of operations, please add them as an additional insured and send us an email with the needed wording to info@fliprogram.com

The event wants the description of operations to be written specifically how they want it. Is this possible?

Depending on the verbiage the event wants on the certificate, we may or may not be able to add it. Please send us an example of what they are requesting to info@fliprogram.com and one of our agents will review the requirements and let you know what to do.

(Insert event name here) wants to change or add additional information.

If your event wants more information added to their document, please send your request to info@fliprogram.com along with your policy number.

How do I edit my certificates/additional Insured (s)?

To edit your certificates, please send us the following to info@fliprogram.com:

• Your policy number. It will start with "F".
• The name of the Additional Insured/certificate that needs to be changed
• An explanation of the changes that need to be made

Can additional insureds be removed?

Previously created additional insured certificates are not removed or deleted from an expired or current policy. They stay on the account for record purposes if a claim or question comes up later and are only insured for the time that you do business with them. You may remove Additional Insureds from your renewing policy from your online account 30 days prior to your policy renewal.

If you need to remove an additional insured, it can be done when your policy is up for renewal by simply logging into the policy and clicking on the update button. I want to acknowledge that this action must be taken within 30 days of the policy's renewal date.

Can I remove an event/company/landlord/additional insured once my event/contract is finished?

Previously created additional insured certificates are not removed or deleted from an expired or current policy. They stay on the account for record purposes if a claim or question comes up later and are only insured for the time that you do business with them. You may remove Additional Insureds from your renewing policy from your online account 30 days prior to your policy renewal.

If you need to remove an additional insured, it can be done when your policy is up for renewal by simply logging into the policy and clicking on the update button. I want to acknowledge that this action must be taken within 30 days of the policy's renewal date.

Can I add an additional insured to someone outside of the US or Canada?

Additional insureds (certificate holders) may not be added for someone outside of the US or Canada.

Why does my personal/home address show on my COI instead of my business address?

The policy is not location specific so only your physical street address will show on your policy documents and COI's. If you want your business address to show instead, you may edit that from your online account.

Can my documents be downloaded/printed?

Downloading and printing your documents is simple. To download/print you documents, please do the following:

1. Login to your account.
2. Click on the designed document on the right side of the dashboard. This will download the document.
3. Use the correct commands based on your device to print the document. If you are not sure how to print on your device, a simple web search is recommended.

Do I have to add an additional insured?

We as your insurance provider will never require you to add an additional insured. However, there are some events, landlords, etc. who may require you to add them to your policy to go to their event or be on their property. 

Searching for events to add as additional insureds.

Some events have registered their events with us with us. When they do so, they create pre-populated additional insured documents. If the event you have registered with us and added their event, it will make it searchable. To add this event, search for the event name and select the correct option. If you cannot find the desired event, they either registered the event under a different name or they have not registered with us.

Which Endorsements can be added after purchase for an Additional Insured/Certificate holder?

There are multiple endorsements that can be added to the additional insured endorsements at an additional cost. Here is a list of those endorsements, along with their additional costs:

The Primary Noncontributory endorsement (CG 20 01) costs an additional $20. The “primary and noncontributory” wording your insurance must pay first (primary) without seeking the additional insured's liability insurance to pay (noncontributory). In short; if there was a claim where both the insured and additional insured parties were involved, this policy would pay first. If the payout were to reach this policy's limits, the additional insured's policy would begin to pay.

The Waiver of Subrogation (CG 24 04) is an additional $20. A waiver of subrogation is a contractual provision whereby you waive the right of your insurance carrier to seek redress or seek compensation for losses from a negligent third party (additional insured).

Earlier notice of cancellation (30 days notice of cancellation) - Add this $50 endorsement which obligates insurers to provide advance written notice to the Certificate Holder/Additional Insured if an insurance policy is canceled or not renewed.

A Loss Payee is an additional $25. A loss payee is a person or organization listed on an insurance policy's declarations page that is entitled to receive claim payments before the policy owner due to a financial interest in the insured property

 Lender Loss Payable is an additional $50 endorsement that gives a creditor of the insured that has loaned money in connection with the insured's personal property the same rights and duties that a mortgage clause gives a mortgagee.

How do I add a primary noncontributory, loss payee, or waiver of subrogation endorsement?

1. Please log in to your account.
2. If you have not already done so, add the additional insured.
3. Click on the "My Policy" button.
4. Then, click on the "Add Endorsement" button.
5. Select the endorsement you desire.
6. Fill out the required form.
7. After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

How long does it take for a primary noncontributory, loss payee, or waiver of subrogation endorsement to be approved?

Generally speaking, your endorsement takes about a business day to be approved. If this is a time sensitive matter, please ask here for an agent or give us a call at (844)520-6992

How do I get the "subr wvd" box checked?

1. Please log in to your account.
2. If you have not already done so, add the additional insured.
3. Click on the "My Policy" button.
4. Then, click on the "Add Endorsement" button.
5. Select the Waiver of Subrogation option.
6. Fill out the required form.
7. After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

How do I get a quote for workers compensation, Excess liability (when more is needed than the website offers), additional gear coverage, commercial auto, cyber, and product retail policies if I have a current FLIP policy?

To get a quote for additional coverage such as Excess liability (when more is needed than the website offers), additional gear coverage, commercial auto, cyber, and product retail policies please send an email to executivesales@insurancecanopy.com. If you need workers compensation, please login to your dashboard and click on the "add a policy" button and select "workers compensation." If you are unable to see the workers compensation selection, please send us an email to executivesales@insurancecanopy.com.

How do I manage my non FLIP policy such as workers compensation, Excess liability (when more is needed than the website offers), additional gear coverage, commercial auto, cyber, and product retail policies.

To manage your non FLIP policy, please reach out to executivesupport@insurancecanopy.com.

How do I add an endorsement (such as a waiver of subrogation for example) to a non-FLIP policy such as workers' compensation, Excess liability (when more is needed than the website offers), additional gear coverage, commercial auto, cyber, and product retail policies?

For all endorsements that you have with auxiliary policies with us, please send an email with your request to executivesupport@insurancecanopy.com.

These endorsements may be added to your policy on the application or any time after purchase from your online account.

Cyber liability - +99 Add this coverage to protect your business from

• Data Breaches
• Malicious codes on your computer systems
• Unauthorized access to your - *computer system
• Ransomware
• Extortion Threats
• Fund Transfer Fraud

Professional liability +$125- errors and omissions insurance (E&O) or indemnity insurance protects the policyholder's business if sued for negligence in performing professional services, even if a mistake has not been made.

Trailer-endorsement +150 Add this endorsement if you use a food trailer to extend the General liability coverage to your trailer while parked on the premises and not connected to a vehicle.

Excess liability- an additional policy that gives you an extra layer of protection above your general liability limit. This policy will help you meet your contractual liability requirements with a venue or vendor if needed. 
+$500   $1 million 
+$1,000 $2 million

Can I remove/delete the Inland Marine (IM) policy.

The Inland Marine (IM) policy can be removed when renewing the policy by clicking the "Update renewing policy" button within 30 days before the renewal is set to take place or by sending us an email to cancellations@veracityins.com within 14 days after the renewal or purchase of the policy.

Can I change my gross sales after I purchase the policy?

The gross sales can be increased after the purchase of your policy. We recommend selecting a tier with slightly lower gross sales when purchasing so that if you exceed your expectations, you can increase the amount during the policy period. If you need a higher amount, please log in to your account and click on change policy options.

How can I add the Cyber liability, Professional liability, Excess liability or the Trailer endorsement?

1. Login to your dashboard.
2. Click the "Change policy options" button.
3. Select the desired endorsement.

What are some endorsements or other policies that cannot be added through this website but are an option through some of the partners of this brokerage?

Workers compensation (AKA Workers comp or simply WC)

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. To get started, here is the  Workers' Compensation application link: https://www.fliprogram.com/workers-compensation-insurance. One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we cannot offer a price range for the policy.

Payment issues

Monthly payment failure

It can be frustrating when a monthly payment fails, but don't worry! The payment can be resubmitted within 30 dates of the original past due/late payment. Here are a few easy steps that will help you resolve the issue quickly:

1. Login to your dashboard by clicking the "Login" or "My account" button
2. If your payment information has not changed, please skip to step 4
3. Go down and click the "payment profiles" button and then click the update button. Follow the prompts.
4. In the "Welcome" page of the dashboard, click on the “Resubmit payment" button if available, otherwise click on "Insurance Quotes and Proposals" and then "Resubmit payment"
5. Go through all steps that are required by the form

By following these steps and staying proactive, you can quickly resolve any issues with failed monthly payments and ensure that your transactions are processed smoothly in the future.

Autopayments cannot be stopped for policies with monthly payments without canceling the policy. If you paid Annually and wish to stop the auto payment for the automatic renewal, the EZ Renew can be turned off from your online account under My Policies. 

To request to cancel your policy please send an email to cancellations@veracityins.com. For general questions about your policy or payment options/adjustments email info@fliprogram.com.

If you are not sure if you have a balance that is owed you can review your invoices under My Policies. Also, if there was a missed payment, there will be a link at the top of your dashboard that says "make payment".

Why did the price of my policy go up?

There are a few reasons why the price might have gone up on your policy. Here are a few of those reasons:

• Occasionally the price of the policy does go up to account for increased risks, policy improvements, or inflation.
• The price of a renewing policy might go up because of a coverage that was added during the previous policy and now is being added to your renewing policy.

If the above still does not explain your situation, please see your 

When did my policy price go up?

To answer when your policy price went up we offer a few solutions:

• Login to your dashboard and click the "My policies" button. From there, click on the various policies on the right side. As you click on those it will give the cost information in the center of the page for each policy.
• Type in the word "agent" to chat with a live person.
• Call us at (844)520-6992
• Send us an email at info@fliprogram.com

Why was I charged (insert amount here)?

If this concerns your initial payment, it will be the first and last month's payment, plus any additional fees, taxes, and additional coverages. If this was a monthly payment, we collect the monthly payment on the same day of the month as the start date. If it has been a year since your initial payment, your policy was set up for easy renewal. For further help, please provide more details about this payment.

Did FLIP receive my last payment?

The best way to know if your last payment was collected, please consider the following:

• Was the expected amount collected from your bank?
• Login to your account and click the "My policies" button. Scroll down to the payments section and view the payment history.
• Did you get an email from use saying that the payment went through and the policy was renewed? (Annual policies only)

If you cannot access this information, please email (info@fliprogram.com) or call (844-520-6992) us to find out.

I would like to pay off the remaining balance of my policy.

Currently, we do not have a way to allow for payment of the remaining balance of the policy. We are looking into that as an option in the future.

I was told I would only have to pay two upfront payments, but it appears I am paying for three.

The initial payment consists of the first and last month, plus any taxes or fees. Also, if any additional coverages were added during the application, they are paid upfront. If this still does not appear to be correct, please give us a call and we will be happy to go over your policy with you. 844-520-6992

Renewal questions

Is my policy going to renew?

When you purchase an Annual policy, you are automatically enrolled in the auto-renew option or EZ-Renew.  If you want to turn off the auto-renewal option, that can be done any time after purchase by:

1. Login into your Dashboard
2. Click the: My Policies" button, scroll down.
3. Select Cancel EZ-Renew.
   If you are enrolled in monthly payments your policy is automatically enrolled in EZ-renew to allow for automated monthly withdrawals. If you wish to cancel the monthly payments please send an email to cancellations@veracityins.com with your name and policy number.

How do I make changes to my renewing policy?

Your policy can be renewed 30 days before its expiration date. During the 30-day period, an "Update Renewing policy" button will appear at the top of your Dashboard. Click on the button to edit your renewing policy. This is where you will be able to remove any additional insureds or add-ons like Inland Marine/Equipment and tools (IM) or updates to your gross sales. 

Can I renew my policy early, and make my payment now?

Yes, you may renew your Annual policy up to 30 days early. Here's how to do that:
1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy". 
The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
3. Your renewed policy documents will be emailed to you and also available from your Dashboard.

For specific questions about your current or renewing policy, please contact us at info@fliprogram.com or give us a call at 844-520-6992

How do I renew/re-sign up/re-instate/reactivate/re-open my expired/inactive policy/account?

If your policy has expired/is inactive, the steps to renew will be similar to purchasing a new policy. Here is how to renew/re-signup/re-instate your expired policy:

1. Log in to your online account
2. Click on the "Add a policy" button.
3. Fill out the application.
4. The application will fill in your personal information. 
5. Additional Insureds would need to be re-added if needed.

What is the renewal price going to be?

Your renewal price is found in your dashboard. To get there please login to your account by clicking the login button at the top-right of the home page. Once logged in, click the "My policies" button. There you will be able to select your renewing policy and see all of the details of that policy.

Issues renewing 

If you are having issues renewing your policy it could due to one of the following reasons:

1. Automatic payment failed and you need to update payment information.
2. Information provided for the renewal is incomplete or incorrect.
3. Issue with an application such as date on the application is incorrect.
4. Temporary system issues on our end, in which case please wait and try again.

You may contact info@fliprogram.com or give us a call at 844-520-6992.

Can I extend my policy?

The only way to extend one's policy is to renew it. There are a few options when it comes to renewing it. We can renew it with the monthly payment option, where you would be required to pay for the first and last payment upfront as the initial payment. The other option is to renew it for an entire year. If you have questions on how to proceed, please let me know.

I need to reinstate my policy.

If your policy simply expired, please log in to your account and click the "add a policy" or "renew" button. If your policy was canceled or had expired within 14 days and you want to ensure continuity of coverage, please send your request via email to info@fliprogram.com along with your policy number.

Claims

How can I file a claim?

To file a claim please follow these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to claims@vopins.com.

How to know what the policy is designed for and what it is not designed for.

Your business insurance policy is specifically designed to meet your business's liability needs. This means that if, during your business operations, your business is held responsible for causing damage or injury to a third party, and the policy does not exclude such activities, you will have coverage for such an incident. Your policy is designed to fulfill the liability needs of your business. This means that if, during your business operations, your business is responsible for the damage or injury of a third party, allowing the policy not to exclude such activity, you would have coverage for such an incident.

Claims questions on the application.

The following are exclusions in the policy and will make the applicant ineligible to get the policy if applicable:

• Any insured that has been canceled or non-renewed in the past 3 years.
• Any insured that has had any claims exceeding $5,000.

Customer experiences a business loss

We are sorry to hear about your loss. The way to determine coverage is to file a claim. To file a claim please follow these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to claims@vopins.com.

What consequences are there when making a claim?

There are some things to keep in mind when filing a claim. First, if an incident happens to your business where you have experienced a loss, please file a claim. This is why you have insurance. Next, while your insurance will not go up with us because of a claim, eligibility might be affected when renewing your policy. If your claim is more than $5,000 or you file multiple claims, we will review your policy and decide if you are eligible for renewal.

Will filing a claim increase my premium?

Filing a claim will not increase your premium. However, filing a claim could affect your eligibility for renewing your policy. If you have any questions about how filing a claim might affect your renewal, please ask your questions here.

I have questions about coverage from a hurricane/fire/tornado/flood/natural disaster, etc.

If you have been affected by a natural disaster, please ensure that you are those around you are safe. We are sorry to hear about your situation. If you have experienced injury or property damage, please file a claim. One of our claims adjusters will help you navigate your insurance policy to help you find any coverage this policy is designed to pay. 

If you have not been affected by a natural disaster yet but have questions about if your policy is designed to insure your situation, please refer to your policy to see what it is designed and not designed to insure.

My business is responsible for damaging someone else's property/injuring someone else, what do I do?

If you or your business is responsible for property damage or injury of someone who is not part of your business, you will need to file a claim.  To file a claim:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to claims@vopins.com.

Are power outages covered/insured under this policy?

If you have been affected by a power outage, please ensure that you and those around you are safe. We are sorry to hear about your situation. If you have experienced injury or property damage, please file a claim. One of our claims adjusters will help you navigate your insurance policy to help you find any coverage this policy is designed to pay. 

If you have not been affected by a power outage yet but have questions about whether your policy is designed to insure your situation, please refer to your policy to see what it is designed and not designed to insure.

Why did I receive an email about policy compliance/suspension?

With this online policy, our compliance team reviews each new policy to ensure the correct type of business operation is insured. If our compliance has questions regarding your operations or decides that you are not a good fit, they will email you asking for more information to clarify or to choose how you want to cancel your policy, if you do not qualify.

Cancellations

Is there a way to stop/pause the insurance?

We do not have the option to stop/pause your Annual policy; While we cannot stop/pause the policy, it can be cancelled by you at any time.

Can I stop or pause my policy?

We do not have the option to pause your Annual policy; While we cannot pause the policy, it can be cancelled by you at any time.

Can I put this insurance on hold?

We do not have the option to pause your Annual policy; While we cannot pause the policy, it can be cancelled by you at any time.

Can I cancel my policy at any time?

Your policy can be cancelled anytime by sending an email to cancellations@veracityins.com. The email must be sent from the email address used to log into the dashboard online. Please include your:

• Full name
• Policy number, and request to cancel. 

Is there a fee/penalty for canceling my policy early?

At this time, we do not penalize our customers for cancelling early. With that said, please note that this policy is 100% earned and non refundable once it goes into effect.

How to cancel a renewing policy

If your policy expires soon, we offer the option to cancel your automatic renewal (Your policy may be enrolled in the EZ renew/automatic renewal). This can be turned off any time before your policy renewal date. To cancel EZ Renew please follow these simple steps:

1. Login to your dashboard (your online account)
   Note: The "Login" or "My account" button is located in the upper right-hand corner of our website
2. Click the “My Policies” button in the “Manage Policies” section
3. Scroll down to the bottom to the EZ Renew section
4. Click the “Cancel EZ Renew” button
   *If this does not work, please send us an email to info@fliprogram.com with your request to cancel your EZ Renew.

We just went out of business. What do we do about the policy?

I am sorry to hear about that. We offer our customers some options when they go out of business, depending on the policy and when they purchased it. To explore your options, please email us your policy number and situation to cancellations@veracityins.com. Please allow 7-10 business days for a resolution.

Can I get a refund and if so how?

When a policy is canceled, there may or may not be a refund associated with the cancellation. If you are no longer in business or otherwise no longer need the policy and need to cancel it, please submit your request to cancellations@veracityins.com. Our cancellations team will determine if any refund is warranted and will determine the amount. 

Can I get a refund if I cancel the policy before the full term ends?

The FLIP policy is 100% earned and non refundable. If you have any questions about your particular situation, feel free to inquire by sending an email to cancellations@veracityins.com.

How to cancel a policy that just renewed

Policy just renewed and I want to cancel - 

If the policy just renewed within 10 days of today, please do the following:

1. Login to the dashboard
2. Click the Change policy options page
3. Click the request cancellation button

If that option is not available or does not work, send an email to cancellations@veracityins.com with your name and policy number. Your request will be processed by our Cancellation team.

How do I cancel my policy?

We are sorry to see you go and hope that you return soon. You can conveniently request a cancellation through your dashboard:
1. Log in to your account. This is done by clicking either the “Login” or “My account” button located at the upper right hand corner of your screen. If you forgot your password, please select the "Forgot Password" link to reset it through your email
2. Click the “Change Policy Options” button in the “Manage Policies” section
3. Select "Request Cancellation"
If this does not work, please send us an email to cancellations@veracityins.com with your request.

Can my account be deleted?

Once an account is created by purchasing a policy, we are legally mandated to maintain that account information. Because of this, we are unable to delete any accounts. With that said, your policy can be canceled anytime by emailing us your request. If you desire to cancel your policy, please send us your request to cancellations@veracityins.com along with your name and policy number. Please note it will take up to 7-10 business days to process your request.

Cancellation Policy

Please keep in mind that this policy is 100% earned and non-refundable (except in NY, SD, & SC). Cancellation requests are reviewed and processed by our Cancellation team.

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/