I am interested in becoming a personal chef. I am located in Montana and am looking to start this to supplement my income then to grow it to be full time income. I currently work the line of a quality restaurant and am used to fast paced environment. I am wondering what I need to do to be covered. Do I need to be licensed and insured? I plan to do the cooking in their home or onsite for small parties. Any advice is greatly appreciated. Any ideas of rates I should charge would be helpful as well. Thanks!