Business Insurance for Bakeries

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Bakery
Freshly made loaves of bread.
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Why do bakeries need insurance?

Your bakery may be small, but it faces big risks. A fire could shut down your kitchen, or a delivery van could get into an accident. The costs could force your bakery to close despite its loyal clientele. Bakery insurance coverage protects against financial losses to help keep your business afloat.

Baker holding baguettes in front of a display of baked goods.
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Find the right coverage

Insureon helps bakery owners find insurance that matches your unique risks. 

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business. 

What types of business insurance do bakeries need?

These insurance policies cover the most common risks of running a bakery.

Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance under one plan. A BOP is one of the most economical options for small business owners.

BEST FOR
  • Customer bodily injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for bakeries that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
General liability insurance icon

General liability insurance

A general liability insurance policy covers common risks, including customer injuries at your bakery, customer property damage, and advertising injuries. It’s required for most commercial leases.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Commercial auto insurance icon

Commercial auto insurance

This policy covers lawsuits and property damage in an accident involving your bakery’s vehicle. It also covers vehicle theft and damage caused by weather or vandalism.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does bakery insurance cost?

Owner of a food and beverage business calculating costs.

A small bakery business will pay less for commercial insurance than a larger company.

Factors that affect premiums include:

  • Products and services offered (e.g., donuts, baked goods and wedding cakes)
  • Business property and equipment, such as ovens
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs
How to get workers' comp insurance

How do I get bakery insurance?

It's easy to get bakery insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your bakery, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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