Business Insurance for Cake and Cookie Bakers

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Save money by comparing cake and cookie baker insurance quotes

Even though you work from home, cake and cookie bakers face numerous liabilities. Home bakery insurance can protect against legal fees and medical bills, allowing you to focus on your baking.

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Multiple quotes with one application

Insureon helps cake and cookie makers and decorators compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do cake and cookie bakers need?

These policies provide coverage for common risks faced by home bakers.

Business owner’s policy icon

Business owner's policy

A BOP bundles commercial property insurance and general liability insurance under one plan. It's often the most cost-effective type of commercial insurance for home bakers.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
General liability insurance icon

General liability insurance

This policy covers basic risks of running a home bakery, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and 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.

  • Car accidents
  • Vehicle theft and vandalism
  • Weather damage
Looking for different coverage? See more policies.

Why do cake and cookie bakers need business insurance?

From batches of cookies to elaborate wedding cakes, running a successful bakery out of your home is all about the attention to detail. That includes protecting your business from lawsuits and losses. Home bakery insurance provides financial protection against customer lawsuits, fires, and other incidents so you can focus on your passion for baking.

How much does business insurance cost for cake and cookie bakers?

Owner of a food and beverage business calculating costs.

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

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