Baked Goods Insurance
Baked goods insurance that protects your business from General and Product Liability claims in 10 minutes or less.
Benefits Of Baked Goods Insurance
Discover how baked goods insurance can help your business.
Create a customized baked goods insurance plan to fit your needs, including General and Product Liability, Tools and Equipment Coverage, and additional policy options for added coverage.
Unlimited Additional Insureds
The Food Liability Insurance Program (FLIP) offers unlimited additional insureds at no extra cost to your premium. Extend your coverage to the events and venues where you sell baked goods by adding them as an additional insured on your policy.
Protect your baked goods business in minutes with FLIP’s easy, online checkout and gain instant, 24/7 access to your baked goods insurance policy information via our online user dashboard.
Do I Need Insurance To Sell Baked Goods From Home?
Legally, you don’t need baked goods insurance. But, without insurance your business is vulnerable to the cost of claims. These costs could be several thousand dollars and put your business in financial jeopardy. So in the long run, yes, you need bakers insurance to sell baked goods from home.
Baked goods insurance can protect your business in the event that a customer gets food poisoning from something they purchased from you and they sue you for improperly handling your food. It can help mitigate or even eliminate those out-of-pocket costs.
How Much Does Insurance For Selling Baked Goods Cost?
Insurance for selling baked goods starts at $25.92 per month or $299 per year. The price of your policy can fluctuate depending on several factors:
- Coverage limits
- Additional coverages included in your policy
- The gross income of your business
- States you operate in
Do You Need Insurance To Sell Baked Goods?
Picture this: Your baked goods business is being sued by a customer who had an allergic reaction to your cookies because of an unlabeled allergen. The average attorney costs $250-$350 per hour. Do you have enough savings to pay for an attorney out-of-pocket?
Risks and claims can happen at any time and are often unpredictable. Trip and fall accidents and events, or property damage claims can result in an expensive claim. Baked goods insurance can protect you from paying out of pocket for the cost of liability claims should your business get involved in an accident or lawsuit.
Let's Talk About Numbers for Baked Goods Insurance
Baked Goods Insurance Coverage Details
Aggregate Limit: $2M
Protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.
Aggregate Limit: $2M
Protect your business from the out-of-pocket costs of foodborne illness-related claims. As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Protect your business from the cost of claims regarding equipment damage and theft. FLIP offers increased coverage limits for inland marine based on your business insurance needs.
Damage to Premises Rented
Aggregate Limit: $300K
Protect your business from the cost of claims from damages done to rented spaces, such as an event booth or commercial kitchen. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. FLIP provides free, unlimited additional insureds.
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Coverage Details Limits
General Liability Aggregate Limit
Products – Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You Limit (Any One Premises)
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
Medical Expense Limit