A Comprehensive Guide to Homemade Food Business in Texas

    Liability Insurance

    Liability Insurance for Cottage Food Operations 


    While the law does not require liability insurance to sell cottage foods, it is always a good idea to have one to protect your assets and your customers.


    There are lots of talented cooks in Texas but not all of them offer their food for sale. Some of their reservations include:


    • What if one of your customers claims they’ve had an allergic reaction to your food, and they want you to pay their medical bills?
    • What if some of the used ingredients weren’t fresh enough and your customers got serious food poisoning?
    • What if your kid managed to sneak in a couple of Legos in the food you are baking, and the customer finds them?


    In all of the cases above you may be held liable and the risk to your budget is very real. Unless you have a Cottage Food Business Insurance. Liability coverage decreases the likelihood that you will have to pay for damages out of your own pocket.

    Sometimes some farmers’ markets and event/wedding venues require proof of liability insurance from all food vendors too.


    Need to Find an Insurance Agent?


    We work with several insurance companies, so get in touch for a quotation.


    *The information contained in this fact sheet is not intended as legal advice. Consult with your attorney accordingly.