Home Food Business Insurance
Enjoy peace of mind, affordable coverage, and a personalized homemade food business policy with Food Liability Insurance Program (FLIP).
Benefits of Insurance for Home Food Businesses
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 and Unlimited Additional Insureds
Add unlimited additional insureds whenever you need to from your user dashboard, completely free of charge.
Personalized Protection
Choose your limits, select additional coverages, and tailor your insurance protection to your business needs.
What Is Home Food Business Insurance?
Home food business insurance is designed to protect people who make and sell food from their primary residence. It can safeguard you from the cost of claims associated with your business, including:
- Unlabelled food allergens
- Food poisoning
- Customer injury
- Equipment damage
Claims stemming from these situations can be extremely expensive, as you may be held responsible for medical fees, attorney fees, equipment replacement, and more.
FLIP makes it easy to shield your business from potentially catastrophic claims with General Liability Insurance, Product Liability Insurance, and other coverage types so you don’t have to worry about paying out-of-pocket when the unexpected happens.
What Insurance Do I Need to Sell Food From Home?
Cottage food laws require home-based food businesses to carry food insurance in accordance with state regulations. 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.
Home food business liability insurance can include:
- General Liability Insurance
- Product Liability Insurance
- Inland Marine Insurance (Tools and Equipment)
- Damage to Premises Rented
- Cyber Liability Insurance
- Free and Unlimited Additional Insureds
- Trailer Endorsement
How Much Does Food Insurance Cost for Home-Based Businesses?
Insurance for food businesses based at home starts at $25.92 per month, but the price can be affected by several factors:
- Insurance limits you select
- State(s) you operate in
- Gross business revenues of your business
- Length of your coverage
Why Customers Trust FLIP for Cooking Insurance
Cooking Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
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: $2,000,000
Unlabeled food allergens and undercooked food can lead to expensive claims. Insurance for food products can protect you from out-of-pocket compensation for these instances.
Tools and Equipment
Aggregate Limit: $10,000
Protect one of the most important aspects of your business—your equipment. Tools and Equipment 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: $300,000
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
Here's what other people have to say about their experience from over 312+ available 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
FAQs About Insurance for Selling Food From Home
Why Should I Choose FLIP for Home Food Business Insurance?
Here are several reasons why FLIP is a good fit for your home-based business:
- A+ Rated Insurance Carrier
- Affordable Premium
- Free and Unlimited Additional Insureds
- Purchase Instantly Online
- No-Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed in All 50 States
Do I Need Insurance for a Home Food Business?
Yes. 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 like financial losses, business reputation issues, lawsuits, and more.
What Claims Could I Face As a Home Food Business Owner?
Food-related claims can include foodborne illness, lost or stolen equipment, and more. For example, a customer orders a batch of your cookies and informs you that they are severely allergic to peanuts, so you make them a batch of chocolate chip cookies without peanuts.
However, you had forgotten to properly wipe down your baking equipment after baking peanut butter cookies earlier that day. Traces of peanut butter made it into the chocolate chip cookies and made your customer sick. They sue you for unlabeled allergens.
Food liability insurance can protect your small business from the costs attached to this type of claim, among others.
