Yes, I do. And yes. 
Bear with me for a minute while I step up on my soapbox as this is something I'm rather passionate about... for both those preparing foods a.n.d. you consumers buying homemade foods.

Great questions since there are folks out there working without oversight selling foods from home kitchens being given incorrect information with little to no knowledge or education of safe food procurement, preparation, storage (of ingredients and final product), packaging, labeling, and transport.  And there is no home kitchen permit that allows for preparing and selling refrigerated products (banana pudding, cream pies, cheesecakes, meats, dairy, etc.). Folks doing that will not be insured as those who insure us do not offer coverage to those operating illegally. This is for the safety of consumers to assure foods for consumption are being done in an inspected facility and by folks educated in safe food handling. Do YOU want to buy and consume homemade food prepared in a kitchen where there may be pet cats roaming countertops?  And did you know pet hair/dander travels through HVAC systems which is just one of many reasons why home kitchens with indoor pets will not be permitted?  Just because your dog "stays in the other rooms when I'm cooking" doesn't mean your system isn't blowing in their hair! That thought had never crossed my mind and when constructing my small packaging space last year, that's when I learned that and had to install a dedicaded unit (mini-split) for the space. I see folks thinking these "rules" are silly and ignore them. They are not.  Think about the big picture and what is at stake when you make and sell foods outside proper permitting and i.n.s.u.r.a.n.c.e.  

As a former ServSafe Certified Instructor, I’m a bit neurotic about this and concerned seeing so much of this happening. It is up to consumers to make wise choices and ask the right questions when buying from small businesses, just as one pays attention to health department ratings in restaurants. If nothing else, please take the ServSafe course to gain knowledge of safe food handling! 

There are various levels of permitting in North Carolina depending on the products being made. Aunt Dee Dee’s Kitchen has operated under a home kitchen permit in the past but now operates in a dedicated packaging kitchen (not a home kitchen but dedicated space on my property) and permitted by the North Carolina Department of Agriculture.  I am fully insured as well.

If you are not operating legally, you simply cannot get proper liability insurance. No company will insure you operating outside specific parameters. This is most concerning to me when I see folks doing this. One bite of something with an allergen that is improperly labeled or any number of other things could cause one doing this a lawsuit and you could lose everything, like your home!  We live in a litigious world and sadly, the are people who look for easy lawsuits. Please don't set yourself and family up for these situations. Are monies from loaves of bread or cakes or whatever worth just one simple incident someone may sue you over and take your home?  I totally understand wanting to bring extra income into your household budget. Just consider and be aware of the risk you take on when doing this outside what is legal and can be insured.

This is why most farmers' markets now require such vendors to be operating from a permitted kitchen and to be insured. They take on risk by having you there, and this is a wise precaution they take that is a requirement of their insurance company.

Note:  Contrary to what you may find online or on social media groups, North Carolina does not have a "cottage food law", that is simply non-existent, but instead operates a Home Processor Program overseen by the NC Department of Agriculture & Consumer Services