If your mobile food business operates from a trailer, the Food Liability Insurance Program (FLIP) is a viable option to consider.
For those using a food trailer as opposed to a truck, FLIP might be beneficial. It includes a specific endorsement for food trailers, providing general liability coverage while the trailer is parked and disconnected from a vehicle—an offering not typically found with other insurers, including Huckleberry.
Note
In the context of insurance, an endorsement refers to a modification of a policy that alters its terms, such as adding or removing coverage options.
FLIP also streamlines the process by managing quotes, applications, and claims online, which can save you time. You can easily add additional insured parties, like festival organizers or commercial kitchen owners, to your policy through your online account without incurring extra fees. Feedback indicates that FLIP has a low volume of customer complaints compared to its size, indicating satisfactory service.
However, it’s worth noting that FLIP does not cover commercial auto insurance, meaning you’ll need to secure a separate policy to cover your truck or trailer while in transit. Additionally, the policy doesn’t provide coverage for spoiled food; therefore, if your ingredients or prepared goods deteriorate due to power outages or equipment failures, you will not be compensated.
FLIP was established in 2009 and is headquartered in Pleasant Grove, Utah.
