Bakery Insurance

Bakery Insurance With the Perfect Mix of Coverages

Whether you’re icing cakes or baking bread, we know you put so much into your work. That’s why we’ve created custom insurance for bakers. We know the risks you face, and we provide coverages to protect you from them so you can keep your focus in the kitchen.

Bakery Insurance for Small Business Owners

Bakery owners face unique challenges, such as:

  • Fire risks
  • Damages to your bakery’s expensive equipment
  • Employee injuries and illnesses due to their work

That’s why you need the right bakery insurance to help protect your business. Even if you have a home bakery, insurance is an essential part of your success. We take the time to understand your unique needs so we can offer the business insurance coverages that help you run a successful bakery.

Who Needs Bakery Insurance?

  • Bakeries
  • Pastry shops
  • Home bakeries
  • Cafés
  • Wedding cake shops
  • Donut and bagel shops
  • Manufacturers of bread, rolls, pies, cookies, and pretzels

Average Cost of Bakery Insurance

Many bakery owners should consider getting a Business Owner’s Policy (BOP) as a foundation of their bakery insurance, which combines three essential types of coverage. Our customers paid an average of about $85 a month for coverage.

Insurance companies use different factors to determine a bakery business’s insurance costs. One of those factors is the type of coverage you need to protect your bakery from financial loss. Prices vary between different insurance coverages. The best way to find out how much insurance for a bakery will cost is to get a quote.

What Are the Best Coverages To Have for Bakery Insurance?

A BOP is a good starting place for many bakery owners. It includes:

  • General Liability Insurance: This helps cover claims that your bakery caused bodily injury or property damage to someone else. For example, if your employee accidentally drives into a customer’s mailbox while delivering a cake, this type of liability insurance protects your business and can help cover repair costs.
  • Commercial Property Insurance: This covers the owned or rented building your bakery is in, as well as the equipment you use to run your business. This includes your bakery’s:
    • Ovens
    • Stoves
    • Mixers
    • Sheeters
    • Inventory
  • Business Income Insurance: This helps replace lost income if you can’t operate because of covered property damage. So, if a fire damages your building, destroys your baked goods, or you can’t open while repairs are done, this insurance can help cover your lost income. This coverage can help pay ongoing expenses like bills, rent, and payroll.

You may need to get additional insurance coverage for more protection. Be aware that some states may also have bakery insurance requirements, such as carrying workers’ compensation coverage if you have employees.

Covering Your Bakery Team

Your bakery business team is a key part of your success. That’s why protecting them is so important. With the right type of bakery insurance, you can help protect your employees – and your business – from many risks.

Employee Injury

Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. With our coverage, employees can access over 1 million providers and more than 65,000 pharmacy locations in the country.

Auto Accidents

Commercial auto insurance can help protect you and your employees on the road if you drive a business-owned vehicle for work. It can help cover medical expenses and costs to repair damaged property.

Covering Your Bakery’s Property

From double ovens to dough molders, we know it’s a big investment to run a bakery. With bakery insurance coverage, we can help get your equipment replaced or fixed if anything breaks down due to damages.

Spoiled Products

We offer coverage for perishable goods in transit. So, if there’s damage due to a mechanical breakdown or from getting overturned in a collision, this coverage can help pay for the loss.

Food Contamination

Our Business Income for Food Contamination can help recover some of your business’s lost income if a government agency shuts it down due to food contamination.

Covering Your Bakery’s Operations

We understand running a bakery is hard work. Bakery insurance can help protect you from customer injury lawsuits and other claims that can negatively impact your business.

Customer Injuries

General liability insurance can help cover claims that your bakery caused someone’s injury. It can help pay for their treatment costs and your legal expenses if the claim leads to a lawsuit.

Customer Intoxication

Liquor liability insurance can help protect your business if an intoxicated person hurts someone or damages another person’s belongings after your bakery served them alcohol.

Bakery Insurance That Has Your Back

We’re an insurance company with over 200 years of experience. We make it our job to know the risks each industry faces so we can offer specific coverages that will help protect each business. We know what’s important to bakers, and our bakery insurance proves that. We’re here to help protect your passion and keep your small business running successfully.

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