Cottage Food law insurance
Lots of people cook from home, but not all of them sell the food afterwards. During the past few years, many state legislatures have passed laws, commonly known as cottage laws, to regulate the industry. These rules apply to those who prepare the products in their own kitchens and then offer what they cook to the public for purchase, whether it is sold in the home or somewhere else. As a home food vendor, you might think the risks of cooking in your own home are not that high, but there are issues you need to consider.
What would happen if one of your customers claimed they had an allergic reaction to your food and they want you to pay the medical bills? Do you have enough money saved to cover the costs of a customer who might be injured on your premises? In both of these situations, and others like them, you may be held liable and be forced to pay damages out of your own pocket.
Unless, that is, you have home cottage business insurance. Liability coverage decreases the likelihood that you will have to pay for damages out of your own pocket. Our Food Liability Insurance Program (FLIP) could be what you are looking for and offers you 12 months of cottage food operation insurance to help you with your profession.
You can have the protection that a cottage food operator needs to have peace of mind as you go about your work - whether that is at home or some other remote location.
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