How does cake makers insurance work?
Protect your business and your passion
You’re passionate about baking, and we’re passionate about insurance. As a cake maker or cake decorator you perhaps you have an eye for art and a stomach for sweetie goodness. You’re tasked with producing and giving joy in the form of cakes and pastries – apply icing, chocolate, sprinkles and other confectionary delights to cakes. If you’re a professional cake maker, baker or cake decorator the last thing you want to worry about is the risks of the job. There’s always a chance of possible loss, damage or theft of your cake making utensils, damage to your kitchens, or an expensive claim if an employee or member of the public is injured or worse due to your work. Working in a profession which uses heat and sharp utensils also poses a risk to you or another person.
There are so many different tools that cake making use in their duties ranging from different sizes and shapes. You’re the craftsmen of the cake world capable of producing wedding cakes, birthday cakes and perhaps even commercially packaged cakes that are then sold to other stores. That’s why it’s important to manage these risks and keep your business safe with a tailored cake makers’ business insurance.
At The Insurance Octopus, our comprehensive and tailored business insurance policies are designed to be flexible, allowing you create a tailored cake maker’s insurance policy just the way you want it and ensuring that all of the essential cover you’ll need is in one, simple business insurance policy.
What your cake makers insurance policy includes
Cake makers 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.
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 cover
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.
Business Interruption, Cash on Premises, and Goods in Transit cover for cake makers
Business Interruption, Cash 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.
By having flexibility with your business insurance policy from The Insurance Octopus, you can make sure your insurance is just what you will need. Get in touch today for more information on a tailored quote.
Why you need cake makers insurance
As a retail shop owner, you are at risk from many eventualities, from malicious damage to theft of stock by burglary or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive retail shop insurance policy that covers your cake making business. To help ensure that your business is highly profitable you need to protect it and yourself from financial loss.
Retail insurance in the form of cake makers 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 by public & employers liability insurance.
Choosing, the right insurance package that suits your business and any additional items you may require – for example public and employers liability insurance or stock and contents insurance – The Insurance Octopus endeavour to put a policy together for you quickly and with ease.
Insurance with sprinkles on top
Your cake making business deserves specialists care. At The Insurance Octopus our specialists take time to understand your business requirements and will look to compare quotes from a range of insurance providers. We’ll ensure that you get the bespoke cover you need at the right price.
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 for Cake Makers Insurance?
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.
Fast 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.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand 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.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
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.
Cake Makers Insurance FAQ's
Get the answers you're looking for
How much does cake maker's insurance cost?
The exact cost of your cake maker’s insurance can vary according to a variety of different factors, that can be different from business to business. This can include anything from whether your workplace is open to your customers, so if you employ anyone as part of your business contact us today for a full, personalised quotation that matches your exact business requirements and covers you in the best possible way.
Why do a cake maker and decorator need public liability insurance?
If you work with the public, then public liability insurance is a must. Even if you don’t technically own a shop, if you take anything from consultations to cake tastings in your business premises, whether this is your own home or not, you need to be covered against accident or injury, as customers can claim this against your business. It’s better to be safe than sorry when it comes to working with the public.
Can I add additional cover to an existing cake maker’s policy?
Yes – we can offer add-ons and additional services to your existing cake maker’s insurance policy to match or adapt to your changing needs and requirements. Give us a call today to update or change your policy with us or add on individual covers to your existing policy.
How it works
Examples of Cake Makers Insurance in action
An expensive heatwave
Following unusual heatwave-type weather, a cake maker discovers that a month’s worth of ingredients stored within the refrigerator have all gone off far before their sell-by date due to the unit failing due to overheating, leaving her out of pocket for several thousand pounds worth of product. However, because she has taken out contents and stock cover for her cake making business, her insurance will cover the cost for replacing the spoiled ingredients, leaving the cake maker with their usual profit and her customers happy.