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Limited Liability Insurance

post #1 of 11
Thread Starter 

I'm currently baking out of a small breakfast/deli restaurant,kitchen when they are not open.  The owner said since I bake and sell out her her restaurant I should be covered under her liability insurance.  Is this true, I want to make sure that I'm fully covered.  Going with my gut I should get my own liability insurance since I'm selling under my name.  Any advice would be great.

 

Thanks,

Theresa

Owner of Everything Cookies and Cupcakes

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Owner of Everything Cookies and Cupcakes

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post #2 of 11
If you are operating as an employee under the shop owner's business you should be OK, otherwise if you have your own business you would need your own liability insurance coverage. You may also need your own health inspection so I would contact your local health dept to confirm.
post #3 of 11
Thread Starter 

Thank you! I'm not an employee of the business so I will look into my own insurance. 

Owner of Everything Cookies and Cupcakes

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Owner of Everything Cookies and Cupcakes

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post #4 of 11

Just an FYI - not sure of your circumstances, but anyone who sells products under their own business name also needs their own health/food handler's permit.

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post #5 of 11
Thread Starter 

MimiFix I did not know that, something else to do.  I knew I should not have put my trust into this person.  She really doesn't know what she is talking about.  I believed her when she said that her liability insurance and Health/Food Handlers permit would cover me.  I now know it would only cover me if I was one of her employees, which I'm not nor do I intend to be. 

 

Lots of things to consider right now. 

Owner of Everything Cookies and Cupcakes

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Owner of Everything Cookies and Cupcakes

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post #6 of 11

Yes, only her insurance on the location property covers you.  I work out of an incubator kitchen, so their property insurance covers the property if, say, I accidentally set something on fire.  But I have my own product liability insurance, health dept permit, and ServSafe certification and I can have drop in health dept inspections at any time.  It is an investment up front for sure!
 

post #7 of 11
Quote:
Originally Posted by sewlo View Post

Yes, only her insurance on the location property covers you.  I work out of an incubator kitchen, so their property insurance covers the property if, say, I accidentally set something on fire.

You should confirm this...we had to get separate coverage for damage to rented premises to cover ourselves as a tenant. If you cause damage to the rental kitchen, the owner's policy would pay out to the owner, and then the owner's insurance company would come after you.
post #8 of 11

I have an office where I meet clietns, and I have to have the separate location listed on my insurance in case someone breaks their leg when they're at an appointment. I would think that it would be the same for you, and that it would be like renter's insurance. The owner's insurance only covers the owner, not people who rent space.

post #9 of 11

Good to know!  I just checked my policy and my kitchen is listed as an additional insured and it does cover up to $300,000 damage to the rented premises.  It was included in my policy for no extra charge to me.  Your insurance agent will be able to help you with all of this!
 

post #10 of 11
You should also check your car insurance, because if you use it to deliver cakes it needs a business policy.
post #11 of 11
Thread Starter 

I just got off the phone with my insurance company and I now have a $1m insurance policy in place.  Not a bad price either $425 for the year.  I feel so much better now that my business is covered.

Owner of Everything Cookies and Cupcakes

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