Food Liability Insurance

[Trinimike]

Hello Everyone,

I am looking for recommendations of a food product insurer. Has anybody dealt with them and can you give me any advice. Thanks!

 

[Matanzima]

Insurance is expensive in the US,
Here im Australia I have $20 mil product & public liability for $505/year

Interesting. The not so hidden cost of our lawyering industry

 

[OzDragon]

Nationwide was $500($1M) for a year for me and I am looking around. $1200 is high IMO

I was quoted $425 but all I do is cookies.

No one determines how much you have to carry, but 1M is usually the minimum required by a distributer.

In order to use the shared commercial kitchens in Chicago, they require a minimum of $1M.

I ended up getting a new policy through the Hartford. Around $600 per year for $1m.

What are you selling?

 

[Justaguy]

funny how this fell off MY Content somehow.

Of course this post put it back.

 

[Trinimike]

Hey everyone, thanks for chiming in on the topic. I found King Insurance out of Gainesville pretty reasonable. It's for 1-2 million in coverage for a lil over $200, any one interested let me know.

I also found a website for anyone looking to do farmers markets and such at http://www.farmersmarketinsurenow.com/ you can do it right from you computer and have it in no time for as lil as $225

 

[langgang]

This is all great info thank you all

 

[3/5King]

The 1200 he was paying prob. Had to do with workman's comp...Its a tricky thing, also depends if you're a sole propriator, llc or sub s corp.

 

[salsalady]

In Washington state, workers comp is run by the state. Businesses must buy their workers comp insurance through the state at the rate the state sets (sound like a racket??? yea....I spare you my personal feelings on the subject...)

In other states, businesses can shop for workers comp through insurance agencies just like any other insurance.

 

[gnslngr]

racket??...insurance, they are the definition of each other.I just started to wade through this aspect, hopefully the enthusiasm will win out over start up costs!