I started a cottage bakery from my home and it's been so successful I want to upgrade my oven to one that requires a 220v outlet. I read that it could void my homeowners insurance so I called and they said "business use" damages would not be covered, so any fires from a commercial bread oven wouldn't be covered. My Flip bakery insurance only covers liability if I accidentally harm someone with my food or replacement of supplies but not a home.
I don't want to upgrade and invest in home baking without being fully insured, but now I also worry my current activities could be risky since I use my home oven to bake already "for business use."
What's a girl to do?
Cottage bakery coverage if a fire happens
byu/clipclipclip2019 inInsurance
Posted by clipclipclip2019
2 Comments
Buy proper insurance?
Since you are moving into the realm of commercial insurance (rather than personal lines – house and car), your best move will be to find a broker/agent that can advise you on what covers you need and can negotiate with insurers on your behalf.
You are the expert on baking so you can focus on baking and enlist an insurance expert to focus on the insurance!