Selling Rubs and Sauces

Spydermike72 · 12-12-2006, 10:13 AM

All, I am just in the thinking stage right now, but I have came up with one question that I need some help with. Do you guys and gals that sell your rubs and sauces have Insurance for that ? I have been asking my Insurance agent and they keep asking if I have any experience in the Food Industry and I tell them I do not have any formal training. I would not go into a venture like that without being covered by something. Any thoughts or ideas ??

Thanks!!

kickassbbq · 12-12-2006, 10:39 AM

I suggest that if you sell ANYTHING food related to the general public, GET INSURANCE.
Remember, you are selling to people!!!! And, some of them are idiots and sue happy.
Cover your Arse!!!! Then you don't have to worry, as much.
Smoke On!!!!!

chad · 12-12-2006, 10:43 AM

If you have your rubs or sauce commercially blended and packaged a lot of the pressure is reduced. They'll do the labeling with nutrition info and ingredients, etc.

At that point you are selling a commercial product and wouldn't have nearly the liability. Normal retail type liability would probably cover you.

BrooklynQ · 12-12-2006, 11:03 AM

Not only should you get insurance, but you need to form a LLC to protect you and your family. It's not expensive to do, but it will save you thousands if you ever have problem.

Spydermike72 · 12-12-2006, 11:41 AM

Quote:

Originally Posted by BrooklynQ

Not only should you get insurance, but you need to form a LLC to protect you and your family. It's not expensive to do, but it will save you thousands if you ever have problem.

BrooklynQ, I hear ya, that is already in the works, thanks for the advice, I do appreaciate it!!

spicewine · 12-12-2006, 01:05 PM

All good advice but don't put the cart before the horse. You need to get into some major markets to make it worth your while to purchase insurance. If you are selling a bottle here and a bottle there, your liability will not be as great or I should say that your chances of being sued are less. Most Lawyers don't like to fool with little fish. There is little or no money to gain from a law suit. All they can do is shut you down . You re-open under another name and go again. Product liability insurance really isn't that expensive , but most major grocery outlets will want to see a copy of your insurance before they will let you bring product into their stores.

Just my .02

Spice

Spydermike72 · 12-12-2006, 02:37 PM

Quote:

Originally Posted by spicewine

All good advice but don't put the cart before the horse. You need to get into some major markets to make it worth your while to purchase insurance. If you are selling a bottle here and a bottle there, your liability will not be as great or I should say that your chances of being sued are less. Most Lawyers don't like to fool with little fish. There is little or no money to gain from a law suit. All they can do is shut you down . You re-open under another name and go again. Product liability insurance really isn't that expensive , but most major grocery outlets will want to see a copy of your insurance before they will let you bring product into their stores.

Just my .02

Spice

Spice, your .02 is greatly appreaciated!! Thank you!!

12-12-2006, 10:13 AM	#1
Spydermike72 Babbling Farker Join Date: 07-17-06 Location: Flushing Michigan	Selling Rubs and Sauces All, I am just in the thinking stage right now, but I have came up with one question that I need some help with. Do you guys and gals that sell your rubs and sauces have Insurance for that ? I have been asking my Insurance agent and they keep asking if I have any experience in the Food Industry and I tell them I do not have any formal training. I would not go into a venture like that without being covered by something. Any thoughts or ideas ?? Thanks!! __________________ Mike Rubbed,Smoked, and Sauced BBQ Team Powered by Bar's Leak and Rislone RSSBBQ.COM Backwoods Competitor Backwoods Party Weber Performer Certified Moink Baller Past President of the Great Lakes BBQ Association For those who fought for it, freedom has a flavor the protected will never know

12-12-2006, 10:39 AM	#2
kickassbbq is One Chatty Farker Join Date: 10-20-05 Location: mn	I suggest that if you sell ANYTHING food related to the general public, GET INSURANCE. Remember, you are selling to people!!!! And, some of them are idiots and sue happy. Cover your Arse!!!! Then you don't have to worry, as much. Smoke On!!!!! __________________ Smoke On!!!!!! [URL="http://www.kickassbbq.com"]www.kickassbbq.com[/URL]

12-12-2006, 10:43 AM	#3
chad somebody shut me the fark up. Join Date: 08-13-03 Location: Clearwater, FL	If you have your rubs or sauce commercially blended and packaged a lot of the pressure is reduced. They'll do the labeling with nutrition info and ingredients, etc. At that point you are selling a commercial product and wouldn't have nearly the liability. Normal retail type liability would probably cover you. __________________ Dave Southern Brethren BBQ Competition Team "It's all about getting paid!" - Myron Mixon "I love being hated in my hometown!" - David Hair KingFisher Gator Rotisserie cooker (RIP), WSM (RIP), Stainless 5 burner with IR gas grill (RIP), Turkey Fryer, Weber JD Commemorative grill (RIP), Masterbuilt 40" insulated ELECTRIC smoker (new heating element), Pit Boss Tailgater pellet pooper.

12-12-2006, 01:05 PM	#6
spicewine Babbling Farker Join Date: 09-13-04 Location: Columbia Missouri	All good advice but don't put the cart before the horse. You need to get into some major markets to make it worth your while to purchase insurance. If you are selling a bottle here and a bottle there, your liability will not be as great or I should say that your chances of being sued are less. Most Lawyers don't like to fool with little fish. There is little or no money to gain from a law suit. All they can do is shut you down . You re-open under another name and go again. Product liability insurance really isn't that expensive , but most major grocery outlets will want to see a copy of your insurance before they will let you bring product into their stores. Just my .02 Spice __________________ The "Sauce Whisperer" SPICEWINE IRONWORKS Award Winning Smokers, Sauces and Spices Columbia Missouri www.spicewineironworks.com PERFECT 180 CHICKEN 2011 1ST. PLACE PORK AMERICAN ROYAL (OPEN) 2012 PERFECT SCORE180 IN RIBS 2013 BEST SAUCE IN THE WORLD ( BLUE COLLAR ) AMERICAN ROYAL 2009 & 2017 BEST RUB IN THE WORLD ( HEFFER DUST ) AMERICAN ROYAL 2007 MOFO Chapter CISC Master BBQ Chef

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Packaging and selling sauce and rubs and sauces	dataz722	Catering, Food Handling and Awareness	23	11-12-2010 09:33 PM
Brothers Selling Sauces & Rubs	smokincracker	Competition BBQ	6	08-12-2008 07:31 PM

12-12-2006, 11:03 AM	#4
BrooklynQ Banned Join Date: 07-18-04	Not only should you get insurance, but you need to form a LLC to protect you and your family. It's not expensive to do, but it will save you thousands if you ever have problem.