Beautifully decorated cakes and delicious confections are at the center of your business. Quality liability insurance is at the center of ours. Protect your bakery online in minutes with cake making and decorating insurance by FLIP.


*Annual plan starting at $299/year

Coverage To Fit Your Needs

Create your very own food distributor insurance plan in minutes with a variety of high-quality policies, including general liability, tools and equipment coverage, and more


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


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

Do Cake Makers & Decorators Need Liability Insurance?

Cake is one of the delights of life, but running a cake making and decorating business can be risky. There are many liability risks, including bodily injury and property damage claims, customers getting sick from your cake and more. Having cake making and decorating insurance can protect your business from expenses you may be required to cover should your business be involved in an accident.

Protect your cake making and decorating business with up to $2 million in A+ rated general and product liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

Coverage Details:

General Liability Aggregate Limit
Products-Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You (Any One Premises)
Liability Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at

General Liability

General liability can 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: $2,000,000

Product Liability

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. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Aggregate Limit: $2,000,000

Business Personal Property / Inland Marine Coverage

Also referred to as tools and equipment coverage, inland marine insurance can protect your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.

Aggregate Limit: $10,000

Damage To Premises Rented

This coverage can protect your business from the cost of claims arising 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 unlimited additional insureds at no extra cost.

Aggregate Limit: $300,000

Cyber Liability

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

Aggregate Limit: $100,000

Program highlights AND PROGRAM BENEFITS

Annual Policies



$ 299



Running a successful bakery takes more than clocking in at five in the morning and churning out delicious treats. The food industry is highly competitive with dozens of new bakers coming on the scene every year and if you don’t stay up

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