Baker's insurance may seem like an unnecessary hassle and expense, but for a few FLIP customers, having insurance proved to be essential when they found themselves in hot water.
When Bad Weather Strikes
One of the most common claims we get here at FLIP is damage to booths at festivals when a storm hits.
As a baker, farmers markets, food festivals, and other outdoor events are opportune times to sell your goodies and promote your business. Since these events are held outdoors and weather is unpredictable, you never know what contingencies may arise.
In one case, our insured's booth and other items were damaged when a F1 tornado touched down.
In another situation, wind was the culprit when it picked up our insured's tent and blew the tent into a claimant's car.
When Power Fails or Surges
Another common claim at FLIP is when freezers fail or generators are knocked out from power surges. Ingredients are spoiled and the finished product is ruined. Expenses from damaged product can really hurt a baker's bottom line.
One of our insureds was about to open a food business but a broken regulator on a faulty refrigerator spoiled all of the food, which resulted in a loss in sales.
When Injuries Happen
We see slip and fall accidents and burn claims quite often. Bakers work with hot ovens, customers love hot products, and both can sometimes be a recipe for disaster.
In one case, a customer received a cup of cocoa and was bumped and experienced instant blisters and burns from the hot drink.
Another situation resulted from a broken table leg at a festival which dumped water from the table onto the ground. A claimant was injured after slipping on the spilled water.
When Thieves Steal
It's a shame when people feel entitled to simply take another person's things.
We had to scratch our heads here at FLIP, though, when one of our insureds had a box of mini-donut machine parts stolen. What does a thief need with mini-donut machine parts?
While this situation was out of the ordinary, we've found that thieves primarily tend to target generators and electronics that are used in food businesses.
When Bears Eat Your Beehives
Just when we think we've seen it all, an unusual claim will cross our desks. One strange claim here at FLIP was submitted after a bear decimated our insured's apiary, destroying bees, beehives, and honey equipment.
It just goes to show that you must always be prepared for the unexpected with baker's insurance!
How to Buy Baker's Insurance
FLIP makes it easy to purchase your baker's insurance online. For your convenience, our insurance application is available 24/7.
If you have any additional questions about baker's insurance, our customer service representatives are available during business hours (M–F from 7:30 AM to 4:30 PM MST)at (888) 568–0548.
All insurance policies have conditions, limitations and exclusions. Please refer to the policy for exact coverages.