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Essential coverages for a bakery
When you also have equipment or operate from a store
All Basic plan benefits and:
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.
Replacing broken equipment, like refrigerator systems, is expensive. This policy pays for repairs or replacements of bigger equipment. In addition it covers other costs associated with it like food spoilage.
Protects from catastrophic events like fires and explosions by covering costs to repair or rebuild your building or business equipment. Many companies let you add business interruption insurance to help you pay your normal expenses like rent and payroll while you are shut down.
Pays costs for lawsuits that are filed when your bakery doesn’t deliver goods as promised. It also covers you when special orders like allergy requests are overlooked and cause a severe allergic reaction.
Pays to defend your bakery when a lawsuit is filed alleging injury or property damage. It also covers the costs of medical expenses and property repair or replacement.
This policy is like food insurance, and protects your business when a lawsuit is filed alleging your bakery items caused sickness.
Covers damage to your business vehicle in the event during working events like deliveries. It is also needed for damages to a third party’s property that you are liable for. It is also important to add hired and non-owned auto if you or your employees use personal vehicles for business errands.
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.
Bakers often face these risks:
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.
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.
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