Bakery insurance

Q: Do I need product liability cover?

As a baker, you could consider product liability cover to protect your business from claims arising from the food products you sell. While not a legal requirement, product liability could provide financial protection from food poisoning, allergic reactions, or injury or bodily harm caused by your products.

Q: Can I get cover for baked goods in transit?

A bakery business insurance policy can include goods in transit insurance. This cover can also be purchased as an optional or standalone policy. If an incident occurs while moving your stock, your products are covered. For instance, having an accident while delivering expensive items like wedding cakes or food for events.

Q: Am I covered if I run my bakery business from home?

Yes. You can be covered by your business insurance if you run your baking business from home. Many bakeries start out this way, and we can help you find insurance policies that provide cover for running your business from your own kitchen. Let us know what your requirements are or if your circumstances change.

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is bakery insurance?

Running a bakery comes with its own set of unique challenges and risks. Whether you operate a storefront or run a baking business from home, having the right bakery insurance in place could be essential to protecting your livelihood. You can get tailored business insurance for bakers that can cover everything from public liability insurance to equipment damage, ensuring your bakery is fully protected from unexpected events.

Bakery insurance is designed to cover the specific risks that bakers face, from liability claims to equipment damage. Whether you're making wedding cakes or running a small home bakery, having comprehensive bakers business insurance could protect you from the financial impact of accidents, legal costs, or damage to your premises. Bakery business insurance can include essential cover like public liability, product liability, and contents cover to help keep your business running smoothly.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What does bakery insurance include?

Business insurance for bakers includes a range of essential protections tailored to your needs:

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Stock & contents insurance

Stock & Contents Insurance can be different for every business, but it helps protect your business equipment, stock, and other contents at your premises.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Product liability insurance

Product liability insurance can cover the cost of compensation claims if someone is injured or their property is damaged by a product that you've sold.

Loss of licence cover

With this policy, loss of earnings can be protected, should your alcohol licence be withdrawn.

Business interruption insurance

This cover can protect your business for loss of income should unforeseen circumstances force it to close or be impacted for an extended period.

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Why do bakers need business insurance?

Running a bakery involves managing several risks, from product safety to the safety of customers and staff. Without the right insurance for bakers, you could face expensive insurance claims or legal fees that could put your business at risk. Having comprehensive bakers business insurance can help you avoid these risks and protect your business, allowing you to focus on what you do best, creating delicious products.

Bakery insurance FAQ's

If you have a question about your business insurance, you might find the answer here in our FAQs.

Do I need product liability cover?

Can I get cover for baked goods in transit?

Am I covered if I run my bakery business from home?

For more information on protecting your business, check out our FAQ's Hub

Additional information on business insurance for bakers

How much does bakery insurance cost?

The cost of bakery insurance depends on your business size, level of cover, and specific risks. Whether running a home bakery or larger shop, a tailored quote ensures you're only paying for necessary coverage while protecting your business from unexpected events.

Insurance for home based bakers

If you run a home bakery, you still face similar risks as traditional bakeries. Product liability or equipment damage can occur, and home bakery insurance may help protect against unexpected costs. Ensure you have the right coverage to avoid financial strain while running your baking business from home.

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What is bakery insurance?