844.520.6993

Bakers Insurance

Ready-to-serve coverage for baked good businesses.

Year-Round Coverage, Instantly

Starting at

$25.92
monthly

4.8/5

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:

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.

NO DEDUCTIBLE

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

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!