Details, verified - Used 185 Times, get Offer, sAVE. Operating any kind of food and/or beverage service business, such as a restaurant, deli, coffee shop or ice cream store, can be a rewarding experience. Unless your cottage food business is structured as a corporation or a limited liability company, your personal assets are at stake in such lawsuits. Review your policies carefully; you will probably find language indicating your home business is not covered. Have you shopped at Food Insurance? In such cases, you should contact your insurance agent and ask that the farmers market should be named as an additional insured on your liability insurance policy. If you use our sites or applications on or after February 20th, 2018, you are agreeing to the new. Check for, food Insurance's promo code exclusions.