Creating and selling delicious products from home is the center of your business. Protecting home-based food businesses is the center of ours. We can help you protect your business from the hefty cost of liability claims and run your business with peace of mind.


FLIP’s cottage food law insurance is A+ rated and includes general and product liability, equipment coverage, and more. Create a high-quality, customized insurance policy that perfectly fits your business needs.


As a small home-based food business, you need insurance that protects you without breaking the bank. FLIP policies start at just $299 a year and provide up to $2 million in coverage for general and product liability as well as $10k in equipment coverage.


Many home-based food businesses sell their products at local events like farmers markets. As such, you need insurance that protects you no matter where the next job takes you. With FLIP, you can include unlimited additional insureds in your policy at no additional cost to you.

What Is Cottage Food Law Insurance?

Whether you bake from home or own a commercial bakery, your business faces a unique set of risks that require a unique set of coverages. Just one liability claim could cost your bakery thousands of dollars and damage your business reputation. Bakers insurance can protect your business and reduce the out-of-pocket cost you may be required to pay for claims.

Your business faces a unique set of risks that require a unique set of coverage. Our online program provides home-based business owners like you with customizable, comprehensive coverage to protect you and your business from the cost of claims.

Coverage Details:

General Liability Aggregate Limit
Products-Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You (Any One Premises)
Liability Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at

General Liability

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

Aggregate Limit: $2,000,000

Product Liability

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Aggregate Limit: $2,000,000

Business Personal Property / Inland Marine Coverage

Inland marine coverage can protect your business from the cost of repairing or replacing broken or stolen business equipment. FLIP’s cottage food law insurance policy offers two coverage options for inland marine that you can choose according to your business needs.

Aggregate Limit: $10,000

Damage To Premises Rented

If you rent a space to do business, like a commercial kitchen, or participate in events, you need insurance that protects you from potential damages that might occur there. What’s more, property owners and event organizers may require you to include them as an additional insured on your policy. FLIP provides unlimited additional insureds at no extra cost.

Aggregate Limit: $300,000

Cyber Liability

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.

Aggregate Limit: $100,000

Program highlights



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Annual Policies



$ 299