Bakery Business Insurance
We assist businesses in obtaining a customised insurance that offers comprehensive protection for their bakeries.
Questions? Call us now on
02 9000 1155
What Is Bakery Business Insurance?
What Does It Include?
It includes several key components to protect your business:
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General Liability: Covers accidents, injuries, or property damage to others caused by your bakery, like a customer slipping on a wet floor.
Property Damage: Pays for any damage to your shop, equipment, or inventory from events, such as fire, theft, or vandalism.
Product Liability: Covers claims if your baked goods cause harm, like food poisoning or allergic reactions.
Business Interruption: Helps replace lost income if you can’t operate due to a covered event, such as fires.
Workers’ Compensation: Pays for medical costs and lost wages if an employee is injured on the job, like burning their hand on an oven.
What Are Its Exclusions?
It usually doesn’t cover:
Intentional Acts
Damage or injuries caused by you or your employees on purpose.
Employee Dishonesty:
Theft or fraud by your employees.
Cyber Incidents
Data breaches or online fraud, unless you have Cyber Insurance coverage.
Off-Premises Events:
Incidents at events, such as farmers' markets or catering, unless specifically covered.
Wear and Tear
Damage due to normal wear, aging, or poor maintenance of equipment or property.
What Businesses Can’t Skip It?
Anyone running a baking business needs Bakery Business Insurance, including:
Standalone Bakeries:
Independent shops that sell a variety of baked goods, like bread, cakes, cookies, and pastries, directly to customers.
Pastry Shops
Those that focus on fancy, delicate baked goods, such as croissants, tarts, Ă©clairs, and other desserts.
Home-based Bakers
These are small businesses run from a baker’s home kitchen, usually for custom orders, local delivery, or small-scale sales.
Wholesale Baking Operations
Businesses that bake large numbers of goods and sell them to other businesses rather than directly to customers.
How Can It Help You?
Have a look at some scenarios:
A customer trips over a power cord in your shop and sprains their wrist. Bakery Business Insurance can cover their medical bills and legal costs if they sue.
A fire damages your oven and inventory. Property damage coverage pays for repairs or replacements, while business interruption covers lost income during downtime.