Bakers Insurance
Ready-to-serve coverage for baked good businesses.
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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.
Bakers Insurance Coverage Limits
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of an accident at your business location, caused by your equipment, or your daily operations.
$2,000,000
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your business operations.
$1,000,000
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of the food you serve or products you sell, even after you’ve handed them off.
$2,000,000
This is the total amount your policy may pay out over a year for claims where someone says you hurt their reputation or violated their rights (not physically). That could include things like:
-Saying something that hurts their reputation (slander or libel)
-Accidentally using someone else’s ad idea
-Wrongful eviction or entry
-Holding someone without cause
-Malicious prosecution
$1,000,000
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Good news: there’s nothing you have to pay out of pocket before liability coverage kicks in.
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Also known as inland marine insurance, this is the most your policy may pay (per incident / per year) to repair or replace stolen or damaged gear, equipment, or supplies (excluding items attached to your trailer or vehicle).
$5,000/$10,000
If you file a claim for damaged or stolen equipment, this is the amount you’ll need to pay before your insurance helps cover the rest.
$250
Questions About Insurance for Bakers
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.
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.
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!
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.
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!
Baked Goods Insurance
Starting at $25.92/month – 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!
