Bakers Insurance
4.8/5 on
- Event-Ready Coverage
- Tailored for Bakers & Cottage Food Producers
- General & Product Liability Insurance
- Instant Proof of Coverage
What Is Bakers Insurance?
Bakers insurance is a specialty food liability policy designed to protect baking businesses from unexpected messes, like allergic reactions or burnt countertops in a rented venue.
From home kitchens and commercial ovens to event tables and store shelves, this policy is packed with key ingredients that rise to cover:
- Bake sale vendors
- Cake decorators
- Farmers market vendors
- Home-based bakers
- Mobile bakery businesses
- Pet bakeries
Cottage Food Coverage – Made with home bakers in mind, our policy provides protection even if you operate under cottage food laws or from your personal kitchen.
Baked-In Product Protection – Coverage includes allergic reactions, foodborne illness, and contamination-related claims tied to your baked goods.
Event-Approved Policies – Whether you’re baking for a farmers market, food festival, or private party, our policy meets most vendor and venue requirements.
What Types of Insurance Do I Need for My Bakery?
Most bakers need both general liability and product liability insurance to meet venue requirements and protect against common food claims. That’s why our policies include:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
Personalize your policy and fold in added protection with these optional coverage add-ons:
How Much Is Insurance for a Bakery?
Bakers insurance starts at just $25.92/month or $299/year. You can customize your coverage based on how and where you bake — from online orders to wedding cakes to treats for a local bake sale.
Coverage Details
General & Professional Liability
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products.
$2,000,000
Products & Completed Operations Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products
$2,000,000
Personal & Advertising Injury
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$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
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
From frosting cupcakes at home to selling sourdough at the local market, Insurance Canopy’s bakers insurance has your back. We’ve got the sticky situations covered, so you can continue to stir, sift, and serve up delectable delights safely!
Questions About Insurance for Bakers
Do I Need Insurance if I Bake From Home?
Yes, you need insurance if you bake from home. Home baking insurance helps protect you from liability, even if you only sell occasionally. Most homeowners’ insurance won’t cover business claims, leaving you to pay for accidents related to your bakery.
What if a Customer Gets Sick From Something I Baked?
If a customer gets sick from something you baked, that’s what product liability is for. It can cover medical costs, legal fees, and damages from foodborne illnesses or allergic reactions.
What Insurance Do I Need for Events or Farmers Markets?
If you need insurance for events or farmers markets, you’ll likely have to get general liability insurance. You will also want:
- Product liability to cover claims related to the baked goods you make and sell
- Tools and equipment coverage for unexpected theft or damage to your gear
- Food trailer coverage to protect a mobile setup at events, markets, and more
These coverages expand your general liability policy, allowing you to enhance your protection based on your business’s unique needs!
Does Insurance Cover Online Orders or Shipping Products?
Yes, insurance can cover online orders or shipping products. Product liability is designed to cover claims involving baked goods sold and shipped online.
If your business accepts virtual orders, lists products online, or sells through an online retailer, you’ll also want to add cyber liability to your policy. It helps your business recover from online cyber attacks, like data breaches or phishing scams.
What Is an Additional Insured for Bakers?
An additional insured for bakers is a person or business you add to your policy, often required by commercial kitchens, markets, or venues.
We offer unlimited additional insureds at no extra cost, so you can quickly and easily name them on your policy, show proof of insurance, and meet requirements in a ginger snap!
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
As the saying goes, “it’s not what you know, but who you know.”
Your first event is booked. You’re excited to sell…until the organizer starts asking
Setting up a vendor booth shouldn’t feel chaotic. It should feel like: ✔️