Bakery Insurance

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 preparing dough in a kitchen.
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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.

  • 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.

  • 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.

  • 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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Cyber insurance icon

Cyber insurance

This policy helps bakeries and other food service businesses recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does bakery insurance cost?

Food and beverage business owner calculating insurance 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

View video transcript.

Are we a drama-free bakery? Umm... What? What drama?

I don't just *feel* the cupcake.. I *am* the cupcake. (sigh)

What is this? Those are cupcakes. Yeah, thank you. Why is one of them half-eaten? I was hungry. Oh, you were a little hungry? What, you didn't have a lunch break? I didn't have time. Okay, stop yelling!

My job? I deliver pastries, and pastry-like items. But I'm inventor. (Yelp)

Don't worry, you have workers' comp insurance. That protects you and your employees from accidents. Even when cream filling is involved.

Well, so much for swimming with the dolphins. (Dolphin noise)

Less drama. More treats! Get all the coverage your business needs by clicking this button. Protection is peace of mind...and a piece of cake.

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.

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