Business Insurance for Bakeries
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How much does business insurance cost for bakeries?

The cost of bakery insurance depends on the policies you choose, the unique risks your bakery faces, the value of your business equipment, and several key operations factors. Cost estimates are sourced from policies purchased by Insureon customers.
Business owner’s policy icon

Business owner’s policy costs for bakeries

Bakery owners typically pay about $65 per month for a business owner’s policy, or a median annual premium of $795. The median value eliminates high and low outliers, providing better representation of typical bakery insurance costs than the average value.

A business owner’s policy bundles general liability insurance with property insurance, usually at a discounted rate. Pricing is determined by your bakery’s location, operations, and value of business property and equipment. This policy may include business interruption insurance, which covers income lost at your bakery due to an unexpected closure.

Median cost per year: $795
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

Workers’ compensation insurance icon

Workers’ compensation costs for bakeries

The median cost of workers’ compensation insurance is about $165 per month for a bakery, or $1,995 annually. The cost of a policy varies significantly depending on the state and your business operations.

Workers’ compensation is required in almost every state for bakeries with employees. This coverage helps pay medical fees and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which protects bakery owners against lawsuits related to workplace injuries.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

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General liability insurance icon

General liability insurance costs for bakeries

Bakeries pay a median premium of about $40 per month, or $485 annually, for general liability insurance. This policy protects bakeries against customer injuries and customer property damage, along with advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate. It protects your own business property along with covering common business risks.

Median cost per year: $485
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Get free quotes and compare policies with Insureon

Insureon’s licensed agents work with leading U.S. carriers to find coverage that fits your bakery. Apply today to compare multiple quotes with one free online application. If you decide to purchase a policy, you’ll work with an account manager who specializes in the business risks of bakeries.

Updated: April 29, 2022
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