Home Bakery Insurance

Hands cradling dough, preparing cookie dough.
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Why do home-based 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 decorating a cake.
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Get same-day insurance

With Insureon, home 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
Cyber insurance icon

Cyber insurance

This policy helps cake and cookie bakeries 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 business insurance cost for home bakers?

Food and beverage business owner calculating insurance 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

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 really...an 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 home bakery insurance?

It's easy to get insurance for a business selling baked goods from home 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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