Ghost Kitchen
Insurance

Find Your Perfect Policy

Providing a quality food prep facility is central to your ghost kitchen business. Providing quality food liability insurance is central to ours. Protect your ghost kitchen in minutes and rest easy knowing your business is covered.

High-Quality, Low-Cost Coverage

FLIP’s food liability insurance plans are A+ rated and start at just $299 a year. Create a customized plan with our wide selection of coverage options and limits.

Quick & Easy Online Process

When you insure your ghost kitchen with FLIP, there are no agents, no quotes, and—most importantly—no waits. Get instant coverage in ten minutes or less through our easy, online process.

24/7 Insurance Policy Access

Gain instant access to your insurance plan through your FLIP user account, where you can view and print documents, change your policies, and more at any time.

What Is Ghost Kitchen Insurance?

As businesses in the food industry, ghost kitchens have a unique set of liability risk. Common risks include slip and fall accidents, property damage, equipment damages, theft and more. Without liability insurance, you may be required to cover the cost of accidents out-of-pocket, which could cost you tens of thousands of dollars or more. With FLIP, you can protect your ghost kitchen from the crippling cost of claims by mitigating or even elimited your out-of-pocket costs for accidents caused by or involving your business.

Our Plans

General Liability

✔ $2M in General Liability

✔ $300K in Damage to Premises Rented

✔ $10K in Tools & Equipment Coverage

✔ Unlimited Additional Insureds

✔ Increased Limits & Additional Policy Options

General + Liquor Liability

✔ $2M in General Liability

✔ $300K in Liquor Liability

✔ $300K in Damage to Premises Rented

✔ $10K in Tools & Equipment Coverage

✔ Unlimited Additional Insureds

✔ Increased Limits & Additional Policy Options

Things We Cover

Protect your baked goods business with up to $2 million in A+ rated general liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

GENERAL LIABILITY

Occurrence Limit: $1M / Aggregate Limit: $2M

General liability can protect your business from the cost of third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

DAMAGE TO PREMISES RENTED

Occurrence Limit: $300,000 / Aggregate Limit: $300,000

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, such as an event booth or venue. An addition to this policy, FLIP also provides unlimited additional insureds for free in case another business or venue requires you to list them on your insurance plan.

TOOLS & EQUIPMENT COVERAGE

Occurrence Limit: $5,000 / Aggregate Limit: $10,000

Also referred to as inland marine insurance, tools and equipment coverage can protect your business from the cost of claims arising from equipment damage and theft. FLIP offers increased coverage limits up to $50,000 should your business need it.

PROFESSIONAL LIABILITY

Occurrence Limit: $100,00 / Aggregate Limit: $100,000

Also known as errors and omissions insurance, professional liability can protect your business from the cost of third-party negligence and omissions claims. Professional liability lawsuits are particularly common in the food industry, and as such this coverage is highly recommended.

LIQUOR LIABILITY

Occurrence Limit: $100,000 / Aggregate Limit: $300,000

Liquor liability insurance can protect your business from the cost of third-party liquor liability claims arising from accidents caused by or involving an individual you served alcohol to. Liquor liability claims can be expensive, so we highly recommend this coverage if you furnish, serve, or sell alcohol as part of your business operation.

CYBER LIABILITY

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.