Insurance for Commercial Bakeries

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

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Better, Regardless of Your Size

  • Get insured, even before you start baking

    When you need proof of insurance, just apply online to get a quote. No need to travel for miles just to get insurance. Your Certificate of Insurance (COI) will be delivered to your inbox straight away!

  • Piece of cake! Fast and easy online application

    CoverWallet's mobile-friendly website will take less than 10 minutes to apply for a quote and purchase insurance. We take all the hard work of getting you insured off your back.

  • We baked an insurance just for you

    Our insurance policies are unique to every business. This allows us to create insurance that will cater to the specific needs of your business; therefore, better coverage but lower monthly fees.

  • All-in-one professional service for commercial bakeries

    Lawsuits? Fines? Relax, we've got you covered. We protect your business according to your needs regardless of your history and make sure that you have the right coverage.

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
39
Month
Instant quote »

Includes:

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

STANDARD

Required coverage to operate

General Liability (GL) + Property (bundle them with a BOP)

From
79
Month
Instant quote »

All Basic plan benefits and:

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

PRO

Get protected against employment-related issues

BOP + Workers Compensation*

From
79
Month
Instant quote »

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

Get PRO plan

CUSTOM

When you have specific requirements

Including Equipment Breakdown, Business Interruption, etc.

From
___
Month
Instant quote »

ALREADY INSURED?

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

Business Owners Policy

Unsure of what insurance you need? Business Owners Policy (BOP) is the first insurance to get. It combines the protection of all major liability risks in one package. Great for small to mid-sized business, this covers repairs to the building and contents, lost income after property damage, additional expenses (like Business Interruption) and legal expenses in potential General Liability claim.

Business Interruption

In an event of any kind of property damage, Commercial Property insurance only covers the building and replacement of its contents. But Business Interruption will cover lost income suffered after the disaster. The insurance can also cover the normal operating expenses like your electricity bills and employee wages and the cost of moving your business to a temporary location.

Workers Compensation

Workers' Compensation is an insurance program mandatory in some states so that medical benefits are provided to employees who become sick or injured on the job. An employee with a work-related illness will receive Workers' Compensation regardless of who is at fault. Also, by offering this insurance your employees relinquish the right to file negligence claims in these events.

Product Liability

When your bakery is proven to have sold a contaminated product, Product Liability insurance will be your savior. This insurance is designed to protect your business from claims of personal illness or injury caused by the products you sold or supplied. It is designed for when you face an expensive product recall, covering any legal, court costs and any related costs.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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.

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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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

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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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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