Business Insurance for Bakeries

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Save money by comparing business insurance quotes for bakeries

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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Multiple quotes with one application

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

What types of business insurance do bakeries need?

These 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. It’s often one of the most economical options for a bakery.

  • Customer 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.

  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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.

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

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.

How much does business insurance cost for bakeries?

Owner of a food and beverage business calculating costs.

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

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