Bakers Insurance
From comprehensive coverage to unlimited additional insureds, our bakers insurance has you covered. Get insured online in 10 minutes or less and enjoy instant access to your proof of insurance!
Who Needs Bakers Insurance?
FLIP’s bakery liability insurance covers a variety of professional bakers and offers customization options to fit your exact needs.
These aren’t the only bakers who need insurance. See more industries we cover.
What Is Bakers Insurance?
Insurance for bakers is a policy combining essential coverages like general and product liability to shield your business from the cost of common claims, including:
- Third-party bodily injury (physical harm to others caused by your business activities)
- Third-party property damage (damage to other people’s property caused by your business activities)
- Personal and advertising injury (financial or reputational harm you cause via your advertisements or by infringing on someone else’s intellectual property)
- Product liability (physical harm or property damage to others caused by your bakery products)
Bakers insurance from Food Liability Insurance Program (FLIP) is designed to cover the costs from incidents like these, such as:
- Medical bills
- Property repairs/replacements
- Legal expenses to defend yourself against a claim
What Type of Insurance Does a Bakery Need?
You need a handful of coverages to safeguard your bakery against the biggest risks it faces and to create a financial safety net, so you aren’t forced to pay out of pocket.
| Type of Insurance | What It Covers | Included in FLIP’s Bakers Insurance Policy? |
|---|---|---|
|
Bodily injuries to other people or damage to their property caused by your business activities |
✅ |
|
|
Bodily injuries to other people or damage to their property caused by your baked goods (e.g., foodborne illness)
|
✅ |
|
|
Claims stemming from how you advertise your business (e.g., copyright infringement or libel)
|
✅ |
|
|
Claims related to your baked goods or the services you provide |
✅ |
|
|
Limited property damage coverage for a space you rent (e.g., vendor stall or commercial kitchen) |
✅ |
|
|
Damages caused by/done to your work vehicle (including medical expenses for injuries to you and others) |
✖️ (optional) |
|
|
First- and third-party expenses stemming from a cyberattack (e.g., data breach or phishing scam) |
✖️ (optional) |
|
|
Physical injuries and/or property damage caused by your professional advice |
✖️ (optional) |
|
|
Replacing/repairing stolen or damaged mobile business gear |
✖️ (optional) |
|
|
Your employees’ state-mandated benefits if they become injured or ill because of work |
✖️ (optional) |
How Much Does Insurance for Bakers Cost?
FLIP’s bakery liability insurance starts at just $25.92 a month, or $299 a year, and includes the following coverages:
- General liability
- Product liability
- Products-completed operations
- Personal and advertising injury
- Damage to premises rented to you
Getting insured might feel like just another expense to add to your never-ending list, but insurance is an investment in the long-term success of your baking business.
Claims can be expensive, ranging anywhere from three to six figures. With bakers insurance, you can rest easy knowing that if a situation gets sticky, your policy is there to help cover the cost.
Let's Talk About Numbers for Bakers Insurance
Bakery Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
If you damage someone else’s property or if someone trips over your booth at the market, this coverage can pay for repairs or medical bills.
Product Liability
Aggregate Limit: $2,000,000
Product liability insurance can cover costs associated with a customer who gets sick after eating your baked goods and blames your business.
Products-Completed Operations
Aggregate Limit: $2,000,000
If a customer gets food poisoning from one of your products or a client sues you because you didn’t deliver your baked goods on time, this coverage can respond.
Personal and Advertising Injury
Aggregate Limit: $1,000,000
Can cover your legal fees if you are sued for defamation, false advertising, or copyright infringement.
Damage to Premises Rented to You
Aggregate Limit: $300,000
If you accidentally cause a fire in the commercial kitchen you rent, this coverage can help pay to repair the smoke damage.
Why Choose FLIP for the Best Bakers Insurance?
Here's what other people have to say about their experience from 300+ 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
Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Insurance for Bakeries
Can I Get Proof of Insurance for a Venue or Property Manager?
Yes! With FLIP, you get instant access to your Certificate of Insurance (COI) after purchasing your policy. This document has all the important details about your insurance (effective dates, types of coverage, etc.) that venue, event, and property managers want to see.
Log in to your online account to access your COI and download a copy when someone asks to have one.
Do I Need Insurance for My Home Bakery?
Even if you run a home-based baking business, you need insurance because you’re still vulnerable to risks. For example, a customer might claim that your brownies were undercooked and gave them Salmonella poisoning, or your equipment might get damaged on the way to the farmers market.
What Are the Risks of Running a Bakery?
Common risks that come with running a bakery include the following:
- A customer getting food poisoning or having a reaction to an unlabeled allergen in one of your products
- A customer tripping and injuring themselves on your equipment at a fair, bake sale, or market
- A client suing you because you didn’t deliver your products on time
- Accidentally damaging someone else’s property at a market, festival, or in a commercial kitchen space you rent
Insurance is there to protect your baking business if any of these incidents happen to you.
What Does Home Bakery Insurance Cover?
Bakers insurance is designed to cover the costs you face after a claim, including:
- Other people’s medical expenses
- Other people’s repairs/replacements for property you damaged
- Legal fees if you’re named in a lawsuit (e.g., hiring an attorney, court fees, settlements, and judgments)
These expenses can be hard for any business to manage without help, which is why insurance is so essential. It provides financial support when an accident happens, allowing you to focus more on running your business, not on how you’re going to pay for a claim.
How Do I Add an Additional Insured to My COI?
There are two ways to add an additional insured, such as a commercial kitchen manager or farmers market organizer, to your policy:
- During checkout: You will have the option to add as many additional insureds as you need during the application process. They will immediately appear on your COI once your purchase is complete.
- Any time via your online account: Add additional insureds through your dashboard anytime you need after your policy has been purchased. Once your request to add them has been approved, you can download a copy of your COI with them listed.
In either case, you can add an unlimited number of additional insureds to your policy at no extra cost.
How Do I File a Claim With FLIP?
Filing a claim is quick, easy, and only takes five steps:
- Log in to your online account
- Go to “Manage Policies”
- Select “File a Claim”
- Fill out all the information you can about your claim
- Submit your claim, and a claims adjuster will contact you soon with next steps