Posted by 2015-03-18 10:48:00
Title: What kind of insurance do I need for my home bakery?
Congratulations Clara and welcome to the food biz, an industry full of great people, innovation and lots of goodness!!
While my brother and I spent a very short time getting started in our mom’s kitchen, regulations and requirements are very different today around food production. I think I would start with your local municipal government for permits and it will likely mean an inspection to ensure compliance for food safety. I am not sure how your space is configured but they will likely be looking for cleaning protocols, safe storage of ingredients, both dry and refrigerated/frozen so you might want to ensure you have some procedures in place ahead of time if you don’t already.
You metioned insurance and I think that would be a smart move. Maybe start with whomever looks after your home insurance and be perfectly clear with them on what you are doing to make sure you are fully covered, if they can’t provide the right information they should be able to direct you to the right person. You will want to make sure you have coverage in the worst case scenario for a kitchen fire, etc. that would adversely affect your home in any way. I think you should also look into some product liablity insurance as well to ensure coverage against anything that might go wrong from a produt perspective.
Have you spoken to any commercial bakeries in the area about possibly letting you use their space during their down times? It could either be an alternative or a move up if your biz grows out of your home space.
I hope this answers a few of your questions and gives you a few ideas.
Best of luck,