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Cake Maker Insurance

Get comprehensive cake business insurance online in 10 minutes or less.


Benefits of Cake Maker Insurance

You need reliable insurance coverage for your day-to-day cake baking or decorating business operations. Find out what Food Liability Insurance Program (FLIP) has to offer.


Coverage To Fit Your Needs

Customize your  professional cake maker insurance plan in minutes with a variety of high-quality policies, including general liability, optional tools and equipment coverage, and more.

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Free and Unlimited Additional Insureds

Need to include other businesses on your policy as additional insureds? FLIP offers unlimited additional insureds at no extra cost to your premium.

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Instant Quote Process

Protect your cake decorating business in minutes with our easy online checkout for instant, 24/7 access to your policy information via our online user dashboard.

What Is Insurance for Cake Makers?

Cake making insurance is a series of coverages designed to safeguard your business from common claims, such as:

  • An unlabeled allergen causing a customer to get sick and go to the hospital
  • Accidentally breaking the door of the oven in the commercial kitchen you rent
  • Failing to provide a cake for a customer at the agreed-upon time


With cake makers insurance from FLIP, you can get comprehensive, customizable coverage to suit your business needs and shield yourself from the sky-high costs of legal fees, medical fees, and replacing or repairing equipment.

Do Cake Vendors Need Liability Insurance?

Yes. Cake is one of the delights of life, but there are many liability risks to running a cake business, from bodily injury and property damage claims to customers getting sick from your cake and more.

Protecting your business with cake making and decorating insurance can help with the expenses associated with claims, such as attorney fees, medical fees, equipment fees, etc. 

How Much Does Cake Business Insurance Cost?

An insurance policy for cake manufacturers starts at $25.92 per month or $299 per year. This price can fluctuate depending on:

  • Your gross income amount
  • The coverages you include on your policy
  • The coverage limits you choose for your policy

Why FLIP for Cake Making Insurance?

At FLIP, we believe cake artists should have their cake and eat it, too. That’s why we’re proud to offer comprehensive coverage for cake designers. 

FLIP offers these benefits in our bakers insurance coverage:

  • Instant Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed Nationwide*
  • General Liability Coverage
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage


*FLIP is not currently available in Missouri.

Let’s Talk Numbers For Cake Decorator Insurance


Coverage Details for Cake Making and Decorating Insurance

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General Liability

Aggregate Limit: $2,000,000

Shield your cake business from the expensive cost of claims including third-party bodily injury, property damage, products-completed operations, personal and advertising injury, and more.

product liability

Product Liability

Aggregate Limit: $2,000,000

All food businesses run the risk of a customer getting sick from their food. Protect your cake making business from claims related to foodborne illnesses, unlabelled allergens, and more.

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Inland Marine (Tools and Equipment)

Aggregate Limit: $10,000

Repairing or replacing stolen baking equipment can be a huge financial hit, but tools and equipment coverage can help. FLIP also offers increased coverage limits based on your business insurance needs. Protect your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers increased coverage limits for tools and equipment based on your business insurance needs. This coverage is optional. 

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Damage to Premises Rented

Aggregate Limit: $300,000

Renting a commercial kitchen or an event booth can leave you liable to claims if you damage that space. Many event organizers and property owners will require you to list them as an additional insured on your policy before they allow you to rent that space, which is why FLIP offers free and unlimited additional insureds. 

What Our Customers Are Saying

Here's what other people have to say about their experience from over 312+ available reviews.

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)


Liability Deductible


Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)


Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


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