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Liability Insurance

This topic contains 5 replies, has 3 voices, and was last updated by  David Crabill 2 months, 2 weeks ago.

Viewing 6 posts - 1 through 6 (of 6 total)
  • Author
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  • #19453

    Scott

    Does liability insurance on a home owners policy typically cover Cottage Food operations, too?

    #19461

    David Crabill
    Keymaster

    No, typically it doesn’t. http://forrager.com/faq/#insurance

    #19672

    Amy

    I do cakes out of my home on a part time basis. When orders are over $150.00 I require a 50% deposit that can be refunded if order is cancelled within 30 days. This is to hold the date and to start palnning. If they fail to follow the policy and don’t cancel til eleven days prior to the event, the deposit is non- refundable. What policy can protect me if I should come across anyone who wants to fight getting their deposit back??

    #19673

    David Crabill
    Keymaster

    Are you sure you need protection from an insurance policy for this circumstance? Assuming they’ve signed a contract that legally binds them to your deposit terms, I’m not sure what they could do if you didn’t give back the deposit. If they’re being such a pain that you ultimately decide to give back the deposit, I don’t think that any insurance policy would cover that decision. I can’t imagine that they’d try suing you because that would surely cost them much more money, since they would clearly lose in court due to the contract terms.

    #76056

    Corinne L Palmieri
    Participant

    Hi, do you have any low fare liability insurance to advise to me in Florida? I haven’t found anything under $82.00 a month.

    #81375

    David Crabill
    Keymaster

    Corinne, see here to determine if you need insurance: https://forrager.com/faq/#insurance
    If you do need it, get FLIP insurance, which is $300/year.

Viewing 6 posts - 1 through 6 (of 6 total)

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