Running a home baking business is more than just mixing ingredients and decorating cupcakes. It’s about building something of your own, one recipe at a time. However, like any business, there are risks involved, even when you’re working from your own kitchen. At High Favor Insurance in Royal Oak, MI, we help small business owners, including home bakers, get the coverage they need to keep their operations running smoothly.
Baking from Home Is Still a Business
If you’re selling baked goods, you’re operating a business, plain and simple. While your homeowner’s insurance may cover your property, it typically does not extend to business activities. This means if something happens, such as a customer slipping on your porch or someone claiming your product made them sick, you could be left paying out of pocket.
Insurance Options for Home Bakers
One of the first types of coverage to consider is general liability insurance. This coverage helps protect you if someone is injured or becomes ill due to your business. If you use specialized equipment or maintain a large stock of ingredients, business property insurance is another option to consider. It can cover losses in the event of fire, theft, or other damage.
If you drive to markets or make deliveries, commercial auto insurance may be necessary. Additionally, product liability coverage is essential to protect you in case one of your baked goods causes harm after leaving your kitchen.
Let’s Ensure You’re Covered
If you’re running a home baking business in Royal Oak, MI, High Favor Insurance is here to help. Contact us today to discuss the best commercial insurance options for your home bakery. We’re committed to keeping your business as sweet as your treats.
