Insurance for Commercial Bakeries

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Frequently Asked Questions

Why do Commercial Bakeries need insurance?

Companies in this industry produce fresh and frozen bread, rolls and other fresh baked products. These establishments do not handle cookies and crackers.

Running a business comes with risks, and these risks can instantly destroy your business if you don't have insurance. Your insurance will cover the costs of property damage, personal injury, bodily injury, liabilities and lawsuits that would be financially devastating without an insurance.

What risks do Commercial Bakeries face?

Even a commercial bakery cannot ignore potential risks that should have proper management procedures in place. One risk in commercial bakeries is customer and employee health. A simple baking method handled poorly can be detrimental to the health of workers or even customers. Poor management of baking materials could cause contamination, then food poisoning to customers. Improper care of equipment or your shop could develop bacteria, cross-contamination, and other potential hazards.

Your building could be burned down or flooded, destroyed by an earthquake or natural disasters. You would need a lot of money to recover from fire or flood. Also, the time needed to rebuild will be the time that your business production will stop. These are just some of the many risks commercial bakeries face.

How much does Insurance cost for Commercial Bakeries?

The cost of the insurance for commercial bakeries varies on the location of the bakery, size, services, revenue, and many other factors. We cannot give you a direct cost for your business but what we can give you cost estimates for the policies that might fit your budget.

  • Business Owners Policy (BOP) combines General Liability and Property insurance. It usually costs from $500 to $1500 in annual premiums.
  • Depending on your state and number of employees, you may need Workers' Compensation and this usually costs around $1,900 to $7,000 in annual premiums.
  • If you need to add extra onto your limits, Umbrella insurance will cost around $500 to $1000 in annual premiums.

To get a quote for your insurance, apply online for a free quote or simply contact our customer service representatives.

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