Cover for all business types
What is Bakery Insurance?
Bakery insurance is a specialist type of business cover designed to protect your bakery against the risks that come with running a food business. Whether you operate a high-street bakery, a café offering baked goods, or a commercial baking unit, having the right insurance in place helps safeguard your property, staff, and customers.
A typical policy can include protection against fire or flood damage, equipment breakdown, theft, liability claims from customers, and legal obligations such as employer’s liability insurance.
Do I Need Insurance for My Bakery?
If you have employees, employer’s liability insurance is a legal requirement, even if they’re part-time or temporary staff. You could face fines of up to £2,500 per day if you operate without it.
Other covers, like public liability, contents insurance, or product liability, are not mandatory by law but are essential for protecting your business financially if something goes wrong.
What Does Bakery Insurance Cover?
Your bakery’s insurance can be tailored to suit the way you run your business. Common types of cover include:
- Public Liability Insurance – Covers injury or property damage claims made by customers or members of the public.
- Employer’s Liability Insurance – A legal requirement for most businesses with staff.
- Product Liability Insurance – Protects you if a product you sell causes harm or illness.
- Contents & Stock Insurance – Covers damage or theft of ingredients, equipment, and display items.
- Buildings Insurance – Essential if you own your premises.
- Business Interruption Cover – Protects your income if you can’t trade due to an insured event like a fire or flood.
- Goods in Transit / Courier Cover – Important if you offer local delivery of baked goods.
How Much Does Bakery Insurance Cost?
The cost depends on the size and nature of your business. Factors like the type of baking you do, your location, number of employees, and your claims history all influence your premium.
To get an accurate idea of price, the easiest step is to request a no-obligation quote. Simply complete our quick form and receive tailored quotes from a specialist insurance provider.
Compare Quotes for Bakery Insurance
At Quote Goat, we make it easy to find the right bakery insurance without the legwork. When you complete our quote form, your details go directly to a specialist insurance broker who understands the bakery trade. They’ll compare quotes from a panel of insurers on your behalf and come back with tailored options for your business.
Whether you run a small independent bakery or a larger commercial operation, you’ll receive expert advice and competitive quotes, all without the hassle of contacting multiple providers yourself.
Also Run a Butchers or Restaurant?
If your bakery is part of a wider food business, such as a butcher shop selling pies or a café offering dine-in service, we can help you cover those operations too. Explore our dedicated pages for:
