Business Insurance for Bakeries

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Your bakery may be small, but it faces the same risks as a bigger business: theft, fire, customer injuries, and lawsuits. Small business insurance protects your bakery, letting you focus on running your business.

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Insureon helps bakers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do bakeries need?

These policies provide coverage for the most common risks of running a bakery.

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance under one plan. It’s often one of the most economical options for a bakery.

BEST FOR

Customer injuries
Damaged business property
Business interruption incidents

Workers’ compensation insurance

Required in almost every state for bakeries with employees, workers’ comp can help cover medical fees and lost wages for work-related injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

General liability insurance

This 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
Libel or slander lawsuits

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your bakery’s vehicle. It also covers damage to a vehicle 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 insurance cost for bakeries?

Woman calculating costs in front of box of food and drink.

Several factors will have an impact on insurance costs, including:

Bakery equipment and property
Services provided by your bakery
Revenue
Location
Number of employees

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What our customers are saying

"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. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

Why do bakeries need insurance?

Your bakery has unique risks – a fire could destroy your kitchen, or your delivery truck could get into an accident. The resulting expenses could shut down your bakery despite its loyal clientele. Business insurance can provide protection so that bills from an unexpected event don’t set you too far back.

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