Liability Insurance for Bakers
Don’t let unforeseen events grind your bakery out of business. Just defending yourself against the legal heat of a liability claim could burn up your financial resources. FLIP shields you and your bakery with affordable general liability insurance.
Get A+ rated insurance with an easy online application that provides instant coverage the moment your payment is received. FLIP allows free unlimited additional insureds for bakeries participating in events, bake sales, or festivals. Enjoy the warm comfort from the peace of mind provided by FLIP liability coverage. Purchase a policy today and download your proof of insurance right away.
|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 (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|
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 firstname.lastname@example.org.
What Is Bakers Insurance?
Bakers insurance protects bakers from third-party claims that might arise from their business operations. Covered claims may include slip-and-fall accidents, illnesses caused by baked products, or equipment loss.
Baker insurance from the Food Liability Insurance Program (FLIP), provides coverage for business personal property/inland marine, general liability, and product liability.
How Much Does Baker Insurance Cost?
FLIP baker insurance costs $299. However, there are additional coverage options that you can add for an additional premium to your customize your policy. For example, as a baker, you may wish to increase your business personal property coverage amounts or add a trailer endorsement if you sell from a mobile trailer.
Do I Need Baker Insurance?
You may have wondered, "Do I need baker insurance?" Yes. When you operate your bakery, you are liable if injuries, illnesses, or damages happen in the process of your business operations.
For example, if a customer gets sick from eating your food or if somebody trips and falls over your bakery stand and is injured, you could be held responsible. Claims from unfortunate incidents like these can easily wipe out your business and personal finances and cause your business to close.
In addition, if you sell your baked goods at farmers markets, state fairs, festivals, or other events, many event organizers require all food vendors to carry them as additional insureds. Other entities that may require bakers to carry additional insureds are wedding venues, commercial & commissary kitchens, or bake sale organizers.
Should I Choose Flip over the Other Bakers Insurance Providers?
There are several reasons why thousands of Bakers have chosen FLIP. One of the main reasons why we are so highly respected is because of our expertise in the insurance industry. FLIP was created by Veracity Insurance Solutions who has over 30 years in the general liability insurance industry.
Since we do not have to write every policy on an individual basis, we are able to be more cost effective, which translates to lower prices for you. Lastly, we are dedicated to offering world class service. We make it as easy as possible for you to contact us. With helpful and friendly staff, you will never feel neglected again!Buy Online Today.
"I couldn't be happier with the customer service I've received... Everybody has been prompt, professional, and quick to understand my needs." Greg, AZ - More Testimonials
HOW MUCH IS FOOD TRUCK INSURANCE?
There are only a couple of factors that affect the cost of your food truck policy. The first is annual gross sales. If the sales for your mobile food truck business are less than $50,000 per year, the insurance will cost $299 per year. If, however, your annual gross sales are between $50,001-$100,000, then your policy will cost $399 per year. You also need to factor in how much your business personal property is worth – this means items such as equipment, supplies, and inventory. If your business property is worth more than $10,000 then it is an additional $179 per year.