Liability Insurance for Home Bakers

Hello bakers,

If you work out of your home in the U.S., do you carry any type of liability insurance to protect you against possible lawsuits?

I have come across several articles on the subject, and they all suggest that bakers should protect themselves and their assets in case someone claims they got sick on their product and seeks compensation.

I know that many bakers have disclaimers on their invoices, but that is not enough protection in the event of a lawsuit. If you have this type of insurance, can you provide the name of the company you are using?

Your feedback is appreciated.

DJ - Fun Fiesta Cakes

insurance liability

7 Replies

Shannon Bond Cake Design replied almost 9 years ago

Absolutely! I have a $1,000,000 policy through FLIP (food liability insurance program). They provide policies nationwide specifically for food service businesses. My policy costs $299/year. Some venues will not allow you to deliver or provide any food at a function sponsored by them until they see proof of insurance. It is piece of mind, for sure!

I’ve been saved, I’ve been changed, I have been set free! www.facebook.com/sbcakedesign

Fun Fiesta Cakes replied almost 9 years ago

Thank you, Shannon. I will look them up – it’s definitely worth the money – having peace of mind makes our work more rewarding.

DJ - Fun Fiesta Cakes

Fun Fiesta Cakes replied almost 9 years ago

Hi, Shannon,

I just wanted to tell you that I purchased a policy through FLIP – I feel much better knowing that I’ve done something proactive to protect myself and my assets. I just hope I never have to use the policy. Thank you so much for your input.

DJ - Fun Fiesta Cakes

Shannon Bond Cake Design replied almost 9 years ago

Oh yay – wasn’t it easy? I have been really pleased with them – I hope you will be too! Breathe easy and cake on! ;)

I’ve been saved, I’ve been changed, I have been set free! www.facebook.com/sbcakedesign

KatieH replied almost 9 years ago

Thank you for sharing. This is something I hadn’t thought about.

Pam Bergandi replied almost 9 years ago

I also have a $1,000,000 policy. Venues here require it. Mine is through State Farm @$325 a year. I wouldn’t want to lose everything we have worked for all these years.

Pam

CuriAUSSIEty Cakes replied almost 9 years ago

Yep I am so glad you did the insurance. I did not have it the first 2 years but have had mine now for 1 year and am so glad I did it. Like Shannon said most wedding venues will not let you supply the cake unless you have proof of insurance. Just the piece of mind is worth it.

Tampa, Florida facebook.com/pages/curiaussiety-custom-cakes