protecting you. protecting your business. protecting your clients.

CHEF INSURANCE

insurance for menu-planning and recipe-writing services  



Although Recipe Researching and Writing services and Menu Planning services don't often get considered, they are a growing sector of the foodservice industry.  As demand grows for new content, traditional and online publications look to Recipe Writers and Researchers to provide interesting and relevant recipes for magazines, blogs, websites, and social media feeds.  Recipe Researchers and Writers take recipes provided to them or will come up with original content, and must ensure that the measurements are accurate and the directions are clear and easy to follow.  When hired by private individuals or families, they may be asked to follow guidelines, such as vegan recipes or heart-healthy recipes.  Menu Planners are often hired by individuals and families to make shopping and meal preparation easy and stress-free.  Often, they are asked to create menus to help their clients achieve certain goals, such as weight-loss, ketogenic diets, or 30-minute meals.


When someone becomes ill or injured, a good litigation lawyer will come after anyone who had anything to do with the food preparation process.  If you think Menu Planners and Recipe Researchers are safe, think again!  Did you write the recipes clearly taking food safety protocols into consideration?  Did you consider allergens, and allow for substitutions to be made to accommodate allergies?  Did you mention internal temperatures of meats and seafood?  Every aspect of your work will examined to see if even a small portion of blame can be pinned on you.


home insurance


Since these services typically only require a phone and computer, they are often run from a home office. Your home insurance company will need to be notified any time you operate a business from home, otherwise any claims may not be honoured, leaving you to pay for the costs relating to the claim out of your own pocket.  Even if you are simply writing menus or testing recipes, if you damage your home while working or have business-related meetings at home and someone slips and falls, for example, then these may not be covered if your insurance company was unaware that business was being conducted.



commercial general liability insurance


Commercial General Liability Insurance is a must for anyone preparing food commercially.  It protects you and your finances should there be a claim relating to your work; it also protects should a claim arise from clients coming to your home for business-related meetings.  Without it, you will be personally liable for your legal fees and all the costs of a successful claim.  Having it protects your hard-earned income and gives you peace of mind.  This is where Chef Insurance comes in, and our Success Managers are always ready to assist and answer your questions.


accounting and tax considerations


Your accountant can advise you on how to set up your business to take advantage of tax rules relating to business expenses.  You should also discuss the best way to set up your business (e.g. a sole proprietorship, a corporation etc.) to declare income, whether you need to charge sales tax etc.  Remember, it is a crime to earn income, including tips, without declaring it to Canada Revenue Agency (CRA), and there can be serious consequences for doing so.  Being convicted of tax evasion can also lead to fingerprinting, court imposed fines, jail time, and a criminal record. When taxpayers are convicted of tax evasion, they must still repay the full amount of taxes owing, plus interest and any civil penalties assessed by the CRA.



Food safety


There are many practices that are OK for a home-cook preparing food for their own family that are not OK when preparing food for sale.  If you have not already done so, you should enrol in a course to get up-to-date food safety training.  After all, anyone working with food can have a serious effect on the health and wellbeing of those consuming the food - it could be a matter of life and death.  Being armed with the necessary knowledge of how to handle food correctly, is essential to any foodservice business.  Your food safety knowledge can be incorporated into your recipes and menu planning.





The Chef Alliance is a leading foodservice association in Canada offering Chefs and Entrepreneurs a place to grow their business.  They can benefit from liability insurance to protect their clients and finances, peer support strengthen their business, discounts to lower their business costs, market their services and increase profits.  This leaves them time to concentrate on what they do best - cook great food!