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

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 can include 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. Coverage can include:

Employee Injury
Auto Accidents

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. Coverage can include:

Spoiled Products
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. Coverage can include: