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. 

internet icon

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. 

additional insured lots of people icon

Free & Unlimited Additional Insureds

Add unlimited additional insureds whenever you need to from your user dashboard.

bag of money icon

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

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. 

spoon and fork

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.

small house icon

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

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
Read More
We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
Read More
Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
Read More
So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
Read More
Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
Read More
Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
Read More
Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
Read More
I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
Read More
FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
Read More
Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
Read More
It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
Read More
Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
Read More
It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)


Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


woman baking in kitchen

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.