FLIP Random FAQs

Is the chat feature managed by a human or AI?

At this time, you are speaking with artificial intelligence that is very capable of answering almost any questions about our policies. If it cannot answer your questions, it will get you over to an agent promptly. Please feel free to ask a question about the policy. If your chat is transferred to a human, they will be able to see our conversation.

Is this a computer or a real person?

At this time, you are speaking with artificial intelligence that is very capable of answering almost any questions about our policies. If it cannot answer your questions, it will get you over to an agent promptly. Please feel free to ask a question about the policy. If your chat is transferred to a human, they will be able to see our conversation.

Are you a real person?

At this time, you are speaking with artificial intelligence that is very capable of answering almost any questions about our policies. If it cannot answer your questions, it will get you over to an agent promptly. Please feel free to ask a question about the policy. If your chat is transferred to a human, they will be able to see our conversation.

Is this a bot?

At this time, you are speaking with artificial intelligence that is very capable of answering almost any questions about our policies. If it cannot answer your questions, it will get you over to an agent promptly. Please feel free to ask a question about the policy. If your chat is transferred to a human, they will be able to see our conversation.

Are you a bot/robot?

At this time, you are speaking with artificial intelligence that is very capable of answering almost any questions about our policies. If it cannot answer your questions, it will get you over to an agent promptly. Please feel free to ask a question about the policy. If your chat is transferred to a human, they will be able to see our conversation.

What is your name?

I go by HUE. As an artificial intelligence, I can answer almost any question about our policies. If it cannot answer your questions, it will promptly transfer you to an agent. Please feel free to ask a question about the policy. If your chat is transferred to a human, they can see our conversation.

Does FLIP have a mobile application (app)?

At this time, FLIP does not have a mobile application. The policy is managed through our website at www.fliprogram.com

Can someone call me?

While I am unable to call you, please give us a call at (844)520-6992. One of our agents will pick up the phone and help.

What is the phone number for the cancellations department?

While the cancellations department does not have a direct line, please call (844) 520-6992. You can also send an email to cancellations@veracityins.com to request a cancellation or get information about a cancellation.

I have a question about (Insert topic here).

I am happy to help answer your question about (insert topic here). Please type in your question and I will work hard to find an answer.

I am done/I am OK/I am finished.

I am glad to hear that! I will stick around a little while longer but you are ok to close the chat window when needed. Thank you for checking us out and have a wonderful day!

Is a membership required to purchase the policy

A membership is not required to purchase the policy. Simply click one of the "Buy" buttons to get started. Once purchased, you will have access to your online account through your login.

Someone is requesting some things to be added to my policy, I will paste them here.

Please paste their requests here and I will be happy to provide you with answers to those requests.

The chat window closed and there was important information there.

I am sorry to hear the chat window closed. Please ask the same question as before, and I will get you the answer quickly.

Does my insurance cover that?

Here , you can learn more about the insurance's intended use. Be sure to also see the exclusions section to see what it is not designed for. If you have further questions about specific coverage, please post them here.

How long does it take to hear back after sending an email?

Emails take between 1-3 business days for a reply.

I have a question.

How may I be of assistance?

What should I name my policy?

Naming your business can have a great effect on your company. While are not able to offer any suggestions at this time, we suggest coming up with a list of names and choose from that list. Keep a few back up options available in case someone already has that name.

Do you have an app for android or iPhone?

At this time, we do not have a downloadable app. We do recommend using Google Chrome for the most reliable service when you  Login to FLIP account.

Does FLIP have a list of rental or ghost kitchens?

Currently, we do not have a list of rental or ghost kitchens. We recommend doing an internet search to find the right kitchen for your business. We will be happy to insure your business at that location once you become established. We wish you the best of luck in your search! 

How do I get a loss runs report?

To request a loss runs report, please send an email to info@fliprogram.com with your name, policy number, and the number of years you need the report for. Please allow at least 2-3 business days for the report to be emailed back to you.

Hi, Hello, or greetings

Hey there! Hope your day is going well! Feel free to ask me any questions you may have.

What to say when a customer expresses their gratitude.

It was our pleasure. If you have more questions, please ask them here. If not we hope you have a wonderful day!

I am looking for a job.

If you are located in one of the states we are currently hiring in, are fluent in English, and are legally able to work in the US, we might have the right opportunity for you. Please check out our website with our job listings at: https://www.veracityinsurance.com/careers

Can I speak with someone in (insert language here)?

This chat feature can communicate in many different languages. Our phones and emails are limited to English and Spanish.

Can you take a look at my coverage specifically to check if I selected everything correctly?

While I cannot check your policy to ensure everything was filled out correctly, we do have a compliance team that reviews accounts to ensure they comply with our policy standards. If they find anything wrong with the coverage, they will reach out to you via email to notify you of their findings. We suggest you login to your account to verify your information.

How old do I have to be to purchase insurance?

To purchase this insurance policy you must be at least 18 years of age. Minors can be automatically insured under their parent's policy.

Why did my policy cancel or change?

Your policy can be canceled for many reasons. Whenever a policy is cancelled, an email is sent with information to the email on the policy. This email could come from info@fliprogram.com or compliance@fliprogram.com. 

How many months is the quote for?

The initial payment includes the first and last month's payment plus any fees and taxes. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

Why is my premium higher?

We appreciate your business and you are a valued customer, as stated in previous emails our premium has increased. Our pricing comes from the carrier and we do not have control over their pricing. As much as we would love to keep your policy at the previous premium, it is not possible at this time. Your tools and equipment coverage (inland marine) used to be included in the base policy pricing of $299. Our carriers have changed the pricing so you will now pay for the tools and equipment coverage outside of the base price, depending on which option you have chosen.

Can I remove an additional insured/COI/Commercial Kitchen/Event or replace one?

Removing additional insureds can be done 30 days prior to your automatic renewal. For our records, we keep additional insureds until the end of the policy period. We do this in case any event occurred that may result in a claim that might include the additional insured, that has not been reported yet. This won’t affect your policy or limits in any way. If you need a new one, you would add them as an additional insured separately. 

Do you have an affiliate/partnership program?

We do have an affiliate/partnership program. Our Strategic Partnerships team works with many events and landlords to help resolve many of the insurance issues event holders and landlords face regarding their attendees and renters. We can help ensure that the additional insureds you need are easier for your people to add and are always correct. We can also create coupons for event holders and landlords to provide to their people. If you would like to inquire more about forming a partnership with us, please send us an email to partners@veracityins.com.

Who is Insurance Canopy

Insurance Canopy is a company we partner with. They offer many similar policies. If we do not offer a policy that they do, we will generally send people to them. 

Which (insert equipment of vehicle here) is the best?

While we do not have a preference for any sort of vehicle or equipment, we do offer a great policy for your business. What questions do you have about our policy?

Do you have surety bonds?

Our policy does not have an option to add a Surety Bond. A surety bond is a promise to be liable for the debt, default, or failure of another. It is a three-party contract by which one party (the surety) guarantees the performance or obligations of a second party (the principal) to a third party (the obligee). We would recommend a local insurance provider for this requirement. 

 Can you send me a transcript of this conversation?

We can send a transcript of this conversation via email request. Please send your request along with your name to info@fliprogram.com.

We currently have flip in place with a $300,000 property damage coverage and our new lease requires $500,000. is there a way to increase that?

Excess liability does not increase your damage to premises rented to you. Excess liability does not increase your medical expense limit. Excess liability does not increase Inland Marine/Equipment and Tools coverage.  Excess does add to the General Liability, Products-Completed, and Personal & Advertising limits.

 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 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. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

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.

Do you have a one day/short term/weekend policy?

We appreciate your interest in our offerings! While we currently do not provide a one-day event option, we're here to help you find what you need. We recommend checking out our vendor policy for additional information and resources that may assist you. You can find it at the following link: https://www.insurancecanopy.com/vendor-insurance. We hope this helps, and feel free to reach out if you have any other questions or need further assistance!

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.