Home based baking can be a great way to start a business if you have a flair for cooking. Flexible and low cost, setting up a home based baking business is particularly popular with full time moms looking for a way to make a few extra dollars. With any business, having adequate California commercial insurance is vitally important and when you are working with food, you could be at a possible higher risk of liability problems.
The first step when setting up your business is to check your state regulations to find out whether you are legally permitted to use your own kitchen, or if you need to use a commercial kitchen facility. You may need to upgrade your existing kitchen and undergo inspections to make sure it is considered appropriate for commercial use. Once you are confident you have satisfied all the legal requirements associated with your home based baking business, you need to ensure you have adequate insurance coverage.
You may require some or all of the following to make sure you are fully protected:
• Public liability
• Product liability
• Property coverage
• Equipment breakdown coverage
• Business interruption insurance
The array of California commercial insurance options available can be overwhelming, particularly when you are just getting started. Speak to one of our agents for advice tailored to your individual business needs.