Home Food Business Insurance
Cooking insurance that provides peace of mind, affordable coverage, and personalized policies.
Benefits of Insurance for Home Food Businesses
Learn how home food business insurance can protect your business.
Stress-Free Online Process
We don’t do pushy. Purchase your policy completely online in 10 minutes or less, with or without the help of an agent.
Free & Unlimited Additional Insureds
Add unlimited additional insureds whenever you need to from your user dashboard.
Personalized Protection
Choose your limits, select additional coverages, and tailor your insurance protection to your business needs.
What Insurance Do I Need To Sell Food From Home?
To sell food from home you should include cottage food law insurance on your insurance policy. This insurance can protect you from the expensive cost of claims associated with your business operations, such as cooking or baking, communicating with customers, or sending out your products.
Liability Insurance for home businesses can include:
- General Liability Insurance
- Product Liability Insurance
- Inland Marine Insurance (Tools & Equipment)
- Damage To Premises Rented
- Cyber Liability Insurance
- Free & Unlimited Additional Insureds
- Trailer Endorsement
What Is Home Food Business Insurance?
Home food business insurance can protect you from the cost of claims that stem from your business. Claims can include unlabeled food allergens, food poisoning, customer injury, equipment damage, and more. The costs can include attorney fees, medical expenses, equipment replacement, etc. Just because you make food from your residence doesn’t mean you are immune from the risks associated with working in the industry.
Without coverage, you will have to pay those expenses out of your own pocket. This is where insurance for home food businesses can help. Protect your business and gain peace of mind as you do what you love.
How Much Does Home Food Business Insurance Cost?
Home food business insurance starts at $25.92 per month but the price can be affected by several factors. These factors include the:
- Insurance limits you select
- State(s) you operate in
- Gross business revenues of your business
- Length of your coverage
Let's Talk Numbers for Cooking Insurance
Cooking Insurance Coverage Details
General Liability
Aggregate Limit: $2M
General Liability Insurance can protect your business from the costs related to third-party injury and property damage claims. Costs can include attorney fees, medical fees, and more.
Product Liability
Aggregate Limit: $2M
Food liability claims can still happen, no matter how diligent you are. Unlabeled food allergens and undercooked food can lead to expensive claims. Product Liability insurance can protect you from the cost of claims related to your product.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Protect one of the most important aspects of your business –your equipment. Inland Marine Insurance can help replace or repair damaged or stolen business equipment such as: appliances, tablets, card readers, and vending stations.
Damage to Premises Rented
Aggregate Limit: $300K
If you rent a kitchen or business space, you can face property damage claims. Keep your business protected with this coverage.
Why Home Food Business Owners Love FLIP
560+ Five Star Reviews
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
Have Questions? We're On It.
Here are several reasons why FLIP is a good fit for your home-based business.
- A+ Rated Insurance Carrier
- Affordable Premium
- Free Additional Insureds
- Purchase Instantly Online – No Long Quote Process
- No Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed In All 50 States
Yes. In order to adequately protect your business and prevent serious financial loss, you should protect your home food business with insurance that offers protection against the risks you may face. Insurance can provide peace of mind and help you run your business to the best of your ability because you aren’t worried about the consequences of claims.
These consequences can include financial losses, business reputation issues, lawsuits, and more. Home food business insurance can protect you from the costs associated with claims. These costs can include attorney fees, medical fees, and more.
In order to sell food from home, you will need General Liability insurance, Product Liability insurance, and Inland Marine (Tools & Equipment) insurance. You can also add a few additional coverages to your policy. These additional coverages can include Cyber Liability insurance, a Trailer Endorsement (extends General Liability coverage to your trailer), and free, unlimited additional insureds. Your home food business insurance policy can include all of these insurance coverages and more.
As a home-based food business, you are vulnerable to risks and claims. From food poisoning to unlabeled allergens to equipment coverage, your business can face a lot of potential claims. These claims can get pricey and have the potential to financially devastate your business if you are not protected.
Liability insurance for home businesses can protect you from expensive claims and risks associated with your business operation.
An example of a claim can include a customer who orders a batch of your cookies. They inform you that they are severely allergic to peanuts so you make them a batch of chocolate chip cookies without peanuts. However, you forget to properly wipe down your baking equipment after you made a batch of peanut butter cookies. Traces of peanut butter made it into the chocolate chip cookies and made your customer sick. They sue you for unlabeled allergens. Home food business insurance can protect you from the costs attached to a claim such as this.
