Business Insurance For Bakers & Bakeries

  • Get personalised cover for your bakery.
Gold Trusted Service Award - Feefo 2020
Platinum - Trusted Service Award - Feefo 2021

What Is Bakery Insurance?

Whether you sell cakes, pies, biscuits or macarons, we’ve got your bakery business covered with our range of sourced bakery insurance policies. We can research bespoke packages for both retail and commercial bakeries, as well as artisan and freelance bakers, whose specialist skills are as impressive as they are tasty. Through The Insurance Octopus, you can to create your own policy, only paying for the protection you need, based on a transparent service you need from a Feefo Platinum awarded company. Along with flexible payment options and access to a panel of leading insurers, you’ll feel safe in the knowledge that you’ve chosen an insurance broker you can rely on, should you decide to choose us.

We know you’ve got cakes to make, so we don’t keep you waiting.To get started, fill in our quote form, or request a call back from one of our team. What’s more, should you ever want to update your policy, we don’t charge administration fees for mid-term adjustments either.

What may be included in a bakery insurance policy?

Commercial Combined Insurance awards

Public Liability Insurance

Health and safety is your number 1 priority, but accidents can still happen. We source levels of cover at £1m, £2m, and £5m, protecting customers from pain or injury – should they have an accident at your premises that turns out to be your fault. 

Commercial Combined Insurance awards

Product Liability Insurance

From food manufacturers you supply from, to your own homemade creations, this cover ensures food poisoning, allergic reactions and other damages are fully compensated.

Commercial Combined Insurance awards

Stock Insurance

Don’t let unexpected refrigeration faults, or freak weather events hinder your operations. We can protect your stock, and provide the funds to replace damaged or destroyed stock swiftly and efficiently.

Commercial Combined Insurance awards

Goods In Transit Insurance

A useful add-on to covering any loss of, or damage to, your stock, while being transported from distribution sites to your business.

How does insurance for bakeries work?

Get hassle free cover for your bakery in minutes

Our sourced bakery shop insurance gives you access to the core and add on policies covers they need to protect and grow your bakery business. The last thing you want to worry about if you own or manage a bakery is the risks of the job. As with any shop, there’s always the chance that your baking making utensils become damaged or stolen, that your kitchen gets damaged or you face the risk of loss. There’s even the chance that an employee or member of the public is injured or worse due to your work leaving you facing an expensive claim. 

Working in a profession which uses heat and sharp utensils undoubtedly exposes you, your employees and your customers to certain risks. That’s why it’s important to manage them with a tailored bakery insurance policy and keep your business safe. 

At The Insurance Octopus, our comprehensive sourced business insurance policies are designed to be flexible, giving you the opportunity to create a bespoke bakery insurance package ensuring that all of the essential cover you’ll need is in one, simple business insurance policy. 

Bakery Shop Insurance FAQs

  • Do I need product liability cover?

    As a baker you’ll no doubt wish to protect yourself from claims arising from the food products you sell. While not a legal requirement product liability will protect you from claims arising from food poisoning, allergic reactions and any injury or bodily harm that your products might cause.

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  • Can I get cover for baked goods in transit?

    Our bakery insurance policy includes Goods in Transit insurance as an optional extra when choosing a policy that’s right for your business. Having the cover means that even when you’re taking your freshly made cakes, baked breads or other products from A to B, your stock will be covered should an incident occur. This insurance is perfect for those who transport important items like wedding cakes or food for events.

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  • Am I covered for home baking?

    If you run your baking business from home, then yes, you can be completely covered by your insurance. Many self-employed businesses do start out working from home or continue to do so for their working lives, our insurance provides them with great cover for their own kitchen, office or other room in their own house. As with any business, insurance is an essential requirement to help protect your livelihood against sudden costs that may arise as a result of a claim.

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What your bakery shop insurance policy includes

Public Liability insurance

Public Liability insurance is available with various levels of cover ranging from £1m, £2m, and £5m. Public Liability insurance is important as it helps to protect you if a member of the public gets hurt or injured whilst on your premises.

Product liability insurance for bakeries

An important cover for bakeries as you sell goods which your customers, or your supplier’s customers will ultimately eat. Product liability insurance protects your business in the event of a claim caused due to your goods injuring or harming a third party; consider risks such as food poisoning or allergic reactions.

Employers Liability insurance

Employers Liability insurance
Employers liability insurance is a legal obligation to have if you employ permanent or temporary members of staff. As an employer it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees.

Contents and Stock insurance for bakeries

Contents and Stock cover can protect the loss of stock, customer goods, staff and customers’ personal effects, fixtures and fittings, computer and electronic business equipment, and helps to enable you to replace all the above in the event of a claim. This an important cover to consider if you own a bakery to ensure your business can stay operational in the event that something goes wrong.

Business Interruption, Cash on Premises, and Goods in Transit

Business InterruptionCash on Premises, and Goods in Transit are further add-ons that can be increased or decreased as required making sure your insurance is just what you need.

Why you need bakery insurance

The joys of being a bakery owner can be overshadowed by the risks that owning a business can give rise to, which is why a comprehensive insurance policy is key. From malicious damage to theft of stock by burglary or theft of monies by an employee, many risks factors need to be considered when looking for a comprehensive bakery insurance policy that covers your baking business. Bakery Insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered. 

You may also need to consider Public, Product and Employers liability insurance to ensure your business is protected from financial loss and remains profitable come what may.

Choosing the right insurance package that suits your business and any additional items you may require should be simple and easy, that’s why The Insurance Octopus will endeavour to research a policy for you quickly to get you covered as soon as possible. 

Comprehensive tailored policies sourced to fit the exact needs of your bakery business

Specialist insurance provider

One of our team will discuss your business requirements with you and look to compare quotes from major UK insurance providers ensuring that you get a bespoke policy with right price. Our tailored cover allows us to add the covers you need at competitive prices.

Cover arranged same day

In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Get in touch with us today for more information.

Why choose The Insurance Octopus to insure your bakery?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A team that knows your industry

We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need. 

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How it works

Examples of Bakery Insurance in action

A £20,000 cake mistake

A customer at the bakery has been taken to hospital with a broken wrist after slipping on a cake that a previous customer had dropped on the floor. This customer then starts legal proceeding against the bakery, claiming for compensation as well as legal costs and medical fees. As the bakery has public liability insurance in place for incidents such as these, the cost of legal fees and the claim was completely covered.

Other types of Retail Shop Insurance we can source

Get insurance for your bakery off your to do list

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