I am in the process of offering to do entertainment for birthdays, festivals, fairs, and corporate parties with my "Cupcake Smile Bakery". I have a collection of fun books, songs, games, and activities plus I create a pretend bakery with chocolate play dough. My question is about insurance. I make mini cupcakes with my babycakes maker and let the children frost, decorate, and eat the cupcakes. Can anyone give me an idea if I need a special insurance for that? I'm not really a full out caterer as I am really trying to be the entertainment part of the party. Would a good contract be enough and legally binding?