Insurance for Bakeries

Get business insurance with optimized coverage to meet your exact needs

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Better, Regardless of Your Size

  • Baked just in time; get a quote today

  • We made something special just for you

  • Lower monthly fees, but better coverage; get a quote today

  • You design that perfect cake, we design your perfect insurance

Coverage Plans for All Your Needs


Essential coverages for a bakery

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a store

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily Injury
  • Damage to third party property
  • Business Personal Property
  • Personal Injury
  • Lost business income
  • Equipment Breakdown coverage


Get protected against employment-related issues

BOP + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Equipment Breakdown, Business Interruption, etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Bakery insurance protects your business, reputation, and financial means in the event of a lawsuit or other unpleasant scenario. Every bakery needs general liability and commercial property insurance. If you have employees, you need worker’s compensation, and if you offer delivery, you need commercial auto insurance.

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Frequently Asked Questions

Why do Bakeries need insurance?

Bakeries are known for their homemade treats and welcoming aromas that fill the air. Whether customers come to you for their wedding or birthday cakes, brunch spread, or a quick snack on the road, you add happiness to their day. Working in the food business also brings risks that can turn happy moments into unhappy ones. Baker insurance protects your bakery from these risks and the lawsuits that often follow.

What are common risks Bakeries could face?

Bakers often face these risks:

  • Food Poisoning: Working with eggs, fruits, and milk is risky. If any of these ingredients spoil and make customers sick, they can file a lawsuit. The rise of food allergies is also important to consider. If you fail to maintain a clean baking environment and nuts are cross-contaminated, your baked goods can cause serious illness and even death.
  • Failure to Deliver: As a baker, you know delivering what you promise on time is crucial to your customer’s event or party. Sometimes employees fail to show up, a wrong ingredient is used, or a cake falls on the floor delaying your completed masterpiece. Failing to deliver leaves the door open for lawsuits from unhappy customers.
  • Employee Injury: Bakers use tools including knives that can cause significant injury. If an employee cuts themselves and requires medical attention, you are responsible for the bill.
  • Auto Accidents: If you cause an accident while delivering a wedding cake, your business is responsible for any damages.
  • Food Spoilage: Refrigeration systems are valuable when they work. But, when one breaks without your knowledge and thousands of dollars of food are spoiled, it is an unexpected expense you can’t usually afford.

How much does Bakery Insurance cost?

Baker insurance costs vary depending on the carrier you choose. Most insurance companies review your claim history, qualifications, health inspections, and whether you offer delivery to calculate your bakery insurance costs. You can request a Baker Insurance quote today by completing the form below.

What is Bakers insurance?

Bakers insurance provides coverage against third-party claims from various lawsuits arising from your business operations. It covers claims for illness caused by the products manufactured, equipment loss, slip and fall accidents and other related claims.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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