Who Qualifies
FLIP Insurance is designed for small food businesses with gross annual receipts under $500,000. Whether you make, sell, or distribute a food product, you are qualified for FLIP insurance, with the exceptions of those operations on the list of excluded lines of business below. If your gross sales exceed $500,000, please contact us for other coverage options.
Starting at $299/yearThings We Cover
Your food cart faces a unique set of risks that require a unique set of coverage. FLIP’s food truck insurance program provides food business owners like you with the customizable, comprehensive coverage your need to protect yourself and your business from the cost of claims.
- Wedding Catering
- Commercial Kitchens (Food Vendors)
- Greek Festivals (Food Vendors)
- Farmers Markets (Food Vendors)
- Food Festivals (Food Vendors)
- Expo Centers (Food Vendors)
- State Fairs
- County Fairs (Food Vendors)
- Swap Meets (Food Vendors)
- Cake Makers and Decorators
- Home Based Bakery
- Home Food Business
- Vendor Insurance
- Street Food Vendors
- Gryo Stands/ Carts
- Snow Cone Shacks/ Shaved Ice
Excluded Products and Operations
- 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
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Program Highlights
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
- No Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed In All 50 States
- A+ Rated Insurance Carrier