Bakers Insurance
Whip up some savings with additional insureds and complete coverage. Get your bakery covered online in 10 minutes or less!
Who Needs Baking Insurance?
Bakery insurance from FLIP covers a variety of professional bakers and is customizable to fit your needs.
Bakeries
Protect your bakery in 10 minutes or less with our completely online purchasing process.
Baked Goods Vendors
Claims are expensive—don’t handle them alone. Baking insurance can help protect you from the expensive cost of claims and let you focus on serving your customers.
Bake Sale Vendors
Inland marine insurance extends insurance protection to one of the most important parts of your pastry-making business: your equipment.
Cake Makers
You deserve a policy as customizable as the cakes you create. Personalize your policy to fit the exact needs of your business with the option to increase coverage limits or add additional policies.
Home-Based Bakers
Protect your home bakery and get back to making delicious treats in 10 minutes or less with our completely online purchasing process.
Pet Bakeries
With FLIP’s affordable yet high-quality coverage, you can enjoy a policy that fits your budget. We keep the price low with USA-based agents who don’t make a commission.
These aren’t the only bakers who need insurance. We cover more than those listed above. See more industries
What Is Bakers Insurance?
Bakers insurance is a series of liability insurances combined into one policy to protect your business from the expensive cost of claims. Common liability claims faced by bakers can include:
- Third-party bodily injury and property damage claims
- Equipment damage claims
- Food poisoning or unlabeled allergens that made a customer sick
FLIP’s insurance for bakers includes general liability, product liability, equipment coverage, and additional policy options that can help bakers create a customized insurance plan that fits their business needs.
What Type of Insurance Does a Bakery Need?
In order to fully protect your business, you will need the following baking insurance coverage:
- General Liability
- Product Liability
- Professional Liability
- Damage to Premises Rented
- Inland Marine (Tools & Equipment) (optional)
- Workers’ Compensation (optional)
Even if you run a home-based baking business, you still need insurance in case a customer contracts food poisoning from something you sold them or if your kitchen floods during a storm and your equipment is damaged.
Regardless of where you operate your baking business, insurance protects against legal fees and allows you to focus on baking rather than worrying about the confusing legal stuff.
How Much Is Insurance for a Bakery?
Bakery insurance starts at $25.92 a month with an annual option that starts at $299 a year. Think of it this way: the money you spend on fixing a broken oven is significantly more than the money you would spend on bakery liability insurance.
The base policy includes up to $2,000,000 in general and product liability coverage. Additional policy options include increased limits, professional liability coverage, cyber liability coverage, and up to $10,000 in business equipment coverage.
It’s also important to note that we provide unlimited additional insureds for free, so if you need to extend your coverage to a landlord or event organizer, you can do so faster than you could say “homemade cookies.”
Let's Talk About Numbers for Bakers Insurance
Bakery Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Product Liability
Aggregate Limit: $2,000,000
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Damage to Premises Rented
Aggregate Limit: $300,000
If you accidentally spill and leave a stain on the carpet at an event, you could be held liable to pay for those damages. Damages to Premises Rented is an excellent addition to your policy if you run your bakery out of a rented space like a commercial kitchen, or if you participate in events like a farmers market. It can protect you from paying for damages you might cause to that space.
Workers’ Compensation
Policy Limit: $1,000,000
Workers’ compensation insurance is essential for baking businesses with employees and may be required depending on what state you operate in. If one of your employees is injured or dies on the job, workers’ compensation insurance can cover expenses like hospital bills, settlement fees, and funeral costs.
Why Bakers Choose FLIP
Here's what other people have to say about their experience from over 312+ available reviews.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000 / $10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Insurance for Bakeries
What Are the Risks of Running a Bakery?
Common risks that come with running a bakery include the following:
- Food poisoning lawsuits
- A client tripping and injuring themselves on your business equipment at a fair, show, or market
- Your oven catching fire
- Your kitchen flooding
- You damage property while at an event
You need insurance to protect your baking business from these unfortunate incidents and the expenses they come with.
What Does Home Bakery Insurance Cover?
Home bakers insurance covers product liability claims (food poisoning), property damage claims (broken oven), third-party injury claims (clients injuring themselves), and more.
When you purchase a bakers insurance policy with FLIP you’re not only gaining a safety net of coverage but are also increasing your professionalism as a business owner and baker.
How Do I File a Claim With FLIP?
Filling a claim is quick and easy—just follow these 5 simple steps:
- Log in to your FLIP online user account
- Navigate to “Manage Policies”
- Select “File A Claim”
- Fill out the required information
- Submit your claim
