Business Insurance for Cake and Cookie Bakers

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Why do cake and cookie bakers need insurance?

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.

Baker in kitchen frosting a cake.
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Get same-day insurance

With Insureon, cake and cookie bakers can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare bakery insurance quotes from top-rated providers.

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 baking businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
General liability insurance icon

General liability insurance

General liability insurance 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.

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

Owner of a food and beverage business calculating costs.

A small business with a few cake and cookie bakers will pay less for insurance than larger companies that sell baked goods.

Factors that affect premiums include:

  • Products and services offered (e.g., wedding cakes and baked goods)
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How to get workers' comp insurance

How do I get cake and cookie bakery insurance?

It's easy to get cake and cookie bakery business insurance 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 an insurance 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 meet your insurance needs and find the right insurance coverage for your cookie and cake business, whether you work independently or hire employees.

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