Originally Posted by crazyladi
I'm from MI too & just starting to look into all this. So have you checked into exactly how much insurance would cost? Would you just go to you personal ins. agent or is this special type insurance?
YOur personal insurance agent is probably licensed to sell commercial insurance also. Most of them are (that's where the big money is!) If by some slim chance he/she isn't licensed to sell commercial, ask them to refer you to a commercial agent.
Just liability insurance should run you around $500 or less per year. This depends on the state you live in and may differ, but based on the various threads I've read on this topic, $500 +/- seems to be the norm across the board.
While you're looking into it, check on commercial auto coverage. If you are in an accident while delivering a cake, your insurance company could (not saying they will, but "could") deny the claim and cite that you were using the vehicle for business while carrying a personal policy .... you don't have a contract with them for business coverage. After someone sues you for $100,000 is NOT the time to try to figure it out.