COVERAGE

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.

Are there any penalties for filing a claim?

There are no penalties for filing claims. Filing a claim will not increase the policy premium.  

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.

Things that FLIP is designed to insure

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 [email protected] with your name and policy number and request to remove the Inland marine coverage.

Does FLIP insure Dry Bars?

If you are referring to a bar that does not serve alcohol, FLIP does insure dry bars without any liquor liability coverage. If you do serve alcohol, you will need to add on the liquor liability coverage.

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.

Things that are excluded from the FLIP policy

Does FLIP provide any classes?

FLIP does not provide any classes at this time. 

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 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.

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.  

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 can the Liquor Liability policy insure?

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. 

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. 

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.

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?

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 use one policy is two states?

One policy can be used in two or more states.

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.

WHO IS AN INSURED

What type of insureds are there?

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.

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.

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 [email protected]. 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.

New customers

About the Food Liability Insurance Program or FLIP

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

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

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

What rating does your insurance company have?

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

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

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

Where can I read reviews about this policy?

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

What do we do with your email?

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

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

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

Contact information

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

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

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

Does FLIP have an 800 number?

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

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

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

Hello, my name is (insert name here)

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

Can someone call me back?

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

Business hours

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

Manage your online account and policy documents

Do I have an online account?

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

How do I log in to my account?

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

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

How do you set up a log in?

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

What is a magic link?

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

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

How do I Reset my password?

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

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

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

Do I have an assigned agent?

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

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

Eligibility

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

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

• Alcoholic Beverages or Products (Includes Serving, Selling, or Sub-Contracting)
• Animal/Livestock Feed (This Does Not Include Pet Products) Any Product Requiring a Prescription
• Any Product Requiring a Prescription
• Any product containing cannabidiol (CBD), Hemp, or Hemp extract
• Baby Food
• Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
• Companies/Operations Not in Compliance with County, State, and Federal Food and Safety Regulations
• Diet Products or Cleanses or Pills Marketed as a ‘Weight Loss’ Product
  Energy Drinks
  Grocery store or supermarket retail operations owned or operated by the insured
• Health Coaching
• Importers – Produce or Dairy Making Up More Than 20% of Total Sales
• Importers – Seafood, Meat, Poultry
• Kava
• Medical Invasive Products (Intended to Stay within the Body)
• Nutraceuticals, Vitamins, Supplements, Suppositories, or Products Containing Pharmaceuticals, Drugs, or Medicines
• Nutrition Consulting
• Owner or operator of any fixed/permanent location
• Owner or operator of a food court / storefront
  Restaurant, Cafe, Bakery, Tavern or Similar Establishment, with Operations Where You Own or Lease the Space Where Customers Enter to Purchase Food or Beverages – Restaurants not eligible for $299 FLIP Program, requires separate application. Get quote for restaurant insurance.
• Tobacco Related Products Including E-Cigarettes and Smokeless Products
• Topical Products Including Soaps, Lotions, and Bath Products

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

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

How many acres is too big for the FLIP policy?

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

Does FLIP insure catering businesses?

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

Does FLIP insure commissary kitchens?

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

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

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

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

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

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

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

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

Do I need a tax ID to get a policy?

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

What are some of the timelines regarding the policy?

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

How far out can I purchase the policy?

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

How long is this policy good for?

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

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

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

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

Can I purchase a policy for only a few months?

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

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

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

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

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

How to purchase FLIP Insurance

How do I purchase/sign up for the policy?

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

Buy

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

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

Do I need to have a business?

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

Gross sales

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

What category should I put my product under?

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

Where can I state where I heard of you guys?

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

Is your website having issues/down?

What is the website doing?

Pricing/payment information

How much does the policy cost?

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

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

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

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

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

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

Can I get a quote?

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

Can I get a quote over the phone?

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

Can I call someone to start quote?

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

Can I get a quote sent to me via email?

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

Do you provide a promo code/discount/coupon?

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

Do you have any current promotions?

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

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

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

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

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

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

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

How do I get a referral code for a friend?

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

Does FLIP compensate someone who refers someone else?

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

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

I am sorry to hear there was an issue with your payment. One of our agents will reply back to you within 3 business days. If this is time sensitive, please give us a call: (844)520-6992

How will I know what the final price is?

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

Why is are your prices so affordable/cheap?

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

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

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

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

Do you offer monthly payments with the annual policy?

We do offer monthly payments with the Annual FLIP policy. The General and Liquor liability policy does not have a monthly payment option.

Can my price go up?

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

Can I raise the deductible to lower the payment?

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

What types of payment do you accept?

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

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

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

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

Does FLIP accept checks?

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

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

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

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

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

Can I use my (bank) account information (routing and account number for checking/savings account) to pay for the policy?

No, payments can only be make through debit or credit cards.

What the first month's payment consists of.

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

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

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

I will do the payment/application later.

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

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

To edit the payment option under your account:

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

Current customers

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), please reply to this email with the following (if you have not done so already):

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 reply to this email with the following (if you have not done so already):

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 reply to this email with your request (if you have not done so already). 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. 

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 to this email with to inquire about changing the policy start date (if you have not done so already). 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 [email protected] 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 reply to this email (if you have not done so already). Please note that emails can take up to 3 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 reply to this email (if you have not done so already), 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.

Can commissary kitchens be added as additional insureds?

Commissary kitchens can be added as additional insureds.

I need help changing an additional insured.

While additional insureds cannot be changed, new ones can be added on. Old ones can be removed within 30 days of the policy removal. There is not any adverse affect for having additional insureds on your policy that you no longer service.

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, Please reply to this email with the required verbiage (if you have not done so already).

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 send us an email to [email protected].

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, please reply to this email with the required verbiage (if you have not done so already).

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 reply to this email with your request (if you have not done so already).

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 reply to this email with your request (if you have not done so already). 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 replying to this email with your request (if you have not done so already).

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 reply to this email with the required verbiage (if you have not done so already).. 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 reply to this email with the required verbiage (if you have not done so already).

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 reply to this email with the required verbiage (if you have not done so already) 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 reply to this email with your request (if you have not done so already) along with your policy number.

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

To edit your certificates, please reply to this email with your request (if you have not done so already) with the following information:

• 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 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 [email protected]. 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 [email protected].

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 [email protected].

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 [email protected].

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 [email protected] 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 [email protected]. For further questions about your policy, please reply to this email (if you have not done so already).

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
• Reply to this email with your request (if you have not done so already).

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 reply to this email with your request (if you have not done so already), 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 [email protected] 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.

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.

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 reply to this email with your request (if you have not done so already), 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 [email protected].

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 [email protected].

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 [email protected].

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?

 

To cancel your policy, please log in to your dashboard and navigate to the My policies section. Scroll to the bottom of the page and select cancel policy.
If you encounter any issues during the cancellation process, please email us at [email protected] using the email address associated with your account.
Please allow 7–10 business days for your cancellation to be processed.
If you need to cancel and repurchase a policy immediately, we recommend completing the steps above and then contacting us directly so we can expedite the process for you.

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 reply to this email (if you have not done so already) 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 [email protected]. 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 [email protected]. 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 [email protected].

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 [email protected] 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 [email protected] 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 [email protected] 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.

FAQ

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 [email protected] 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 reply to this email (if you have not done so already) 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 [email protected] or [email protected]. 

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 [email protected].

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. 

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.