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 cake bakers.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

Also called errors and omissions insurance (E&O), this policy covers customer lawsuits over the quality of your work. Home bakers can often combine it with a BOP.

  • Errors in personalized messages
  • Undelivered baked goods
  • Failure to meet client expectations
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 insurance cost for home-based businesses?

Business owner calculating costs of home-based business.

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

  • Home business services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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