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)!
[FONT="Arial Black"][/FONT] Custom offset (Delilah)
Bandera on the Welfare Wagon