Bake Sale Insurance
Protect your next bake sale with comprehensive coverage from Food Liability Insurance Program (FLIP). Get insured in 10 minutes or less!
Benefits of Bake Sale Insurance
With a bake sale fundraiser, your goal is to make as much money as possible for your cause. Bake sale insurance can protect you from unexpected expenses that could cut into the proceeds.
Customized Coverage
FLIP offers a comprehensive policy starting at $25.92 per month or $299 per year. You can raise your limits and add coverage depending on your business needs.
Easy Online Access
It’s simple to buy and manage your plan 24/7 in your online dashboard. Add additional insureds, download your certificate of insurance, and make changes to your policy whenever it’s convenient for you.
Unlimited Additional Insureds
Make sure you’re prepared for every event by taking advantage of FLIP’s unlimited additional insureds at no extra cost.
What Is Bake Sale Insurance?
Insurance for bake sales is customizable liability coverage designed to help mitigate or eliminate unexpected out-of-pocket expenses from claims caused by your food business. Common issues that bake sale insurance can cover include bodily or personal injury and property damage.
Do You Need Insurance for a Bake Sale?
Yes!
Though liability insurance may be the last thing on your mind when getting ready for a bake sale, selling your homemade goods comes with a unique set of risks. Consider these scenarios:
- You’re selling chocolate chip cookies made with your family’s secret recipe. A customer eats them without realizing they contain peanuts and has a severe allergic reaction. They end up suing you for their medical expenses.
- A customer slips and falls on some spilled frosting. They end up with a sprained ankle that requires medical attention. Now they’re claiming that you are responsible for their bills.
- After eating your products, a customer gets food poisoning and ends up in the ER. You could be liable for any costs associated with their illness.
FLIP could help absorb some or all of the out-of-pocket expenses resulting from these scenarios. Bake sale insurance gives you a financial security net so that you can turn your focus to what matters most.
About FLIP’s Bake Sale Insurance Coverage
Whether you just like to help out by providing goodies for local charity events or you operate a bakery, general liability insurance is a smart investment.
FLIP offers essential coverage for products, like baked goods, as well as events like farmers markets and food festivals.
If you participate in bake sales, you also fall under the requirements of Cottage Food Law. Every state has rules about what and how you can sell food made in a home kitchen.
FLIP can help mitigate the risks that come with selling homemade foods, protecting you from costly claims.
Program Benefits:
- Instant quote process
- 24/7 access to policy documents
- Convenient online purchasing
- Licensed in all 50 states
- Monthly payments available
Let's Talk About Numbers for Bake Sale Insurance
Bake Sale Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Operating a bake sale is a great way to give back to the community, but accidents can still happen anytime. FLIP protects against pricey claims like third-party bodily injury and property damage.
Product Liability
Aggregate Limit: $2,000,000
When you sell baked goods, you could be held liable if a customer gets a foodborne illness or experiences an allergic reaction. Product liability insurance can help absorb the costs that may result from these claims.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Baking your treats requires essentials like an oven and mixer. If items like these are damaged or stolen, tools and equipment insurance can help cover the cost of repairing or replacing your gear.
Damage to Premises Rented
Aggregate Limit: $300,000
If you need to rent a commercial kitchen to bake in bulk or a space to hold your bake sale, the property managers may require that your insurance be extended to them. In the event of an accident, like a kitchen fire, everybody needs to be covered. FLIP offers unlimited additional insureds at no extra cost.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Hear From Our Customers About Bake Sale Insurance
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