Making and selling food is your speciality, and you have a fun advantage over other chefs and cooks because you get to work from a place you feel most comfortable – your house. Just because you are making food from your residence, however, doesn’t mean you are immune from the risks associated with working in the industry.

Lawsuits are one risk you face. Say a customer had an allergic reaction to your food and sued you. If you are held liable, you might have to pay the customer’s hospital and doctor bills, medication expenses, and even compensation for any work time they missed. You are looking at the potential of having to pay $10,000 or more in extra bills.

Without coverage, you will have to pay those expenses out of your own pocket. This is where our Food Liability Insurance Program (FLIP) can help. We strive to ensure that your homemade food business is financially protected from associated risks.

Having a policy when selling food from home helps you concentrate on what you do best without having to worry about your personal finances being lost in case of an accident.

FLIP offers so much more than just liability insurance for home-based food vendors. Some of the other people and situations we respond to include:


  • A+ Rated Insurance Carrier
  • Affordable Premium
  • Licensed in All 50 States
  • Free Additional Insureds
  • Purchase Instantly Online – No Long Quote Process

See additional benefits & highlights below. 

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.


“I have a lot of colleagues in the start up food industry and I tell all of them to use FLIP. The customer service is off the charts incredible.” Christian – More Testimonials


  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage


  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier


FLIP was created to offer the most affordable liability insurance to food vendors without sacrificing coverage. By creating an online program, long and expensive underwriting processes were shortened, allowing FLIP to offer quality insurance policies at reduced prices compared to more traditional methods of processing. In addition, the online presence gives food vendors more control over their policies at their convenience.