Fun Fiesta Cakes


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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

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Shannon Bond Cake Design

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!

Fun Fiesta Cakes

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

Fun Fiesta Cakes

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.

Shannon Bond Cake Design

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

KatieH

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

Pam Bergandi

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.

CuriAUSSIEty Cakes

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.