Jeff, I have gone through this vicious circle for about 4 years now. If you are preparing food on site, and not delivering, you do not need any insurance or catering license. I have a Blue Springs Business license (just in case) and a $1,000,000 umbrella policy that covers me for whatever some dumbass wants to sue me for. The umbrella is fairly inexpensive when grouped with home and 3 autos, roughly $20 per month. As I have told my wife on numerous occasions, absolutely noone has EVER gotten sick eating my food, (she made me get the umbrella anyway)!
Custom offset (Delilah)
Bandera on the Welfare Wagon