Bakery insurance

Bakeries can present a high-risk working environment for all those involved from staff to clients to suppliers, meaning bakery insurance is essential. Without the correct cover in place, your livelihood may be open to claims that could jeopardise your future ability to trade. Having the right insurance can let you focus on the job at hand and work without worry.

Retail bakeries and bakery shops can be exposed to a variety of hazards, from fires and floods to slips, trips and falls, meaning there are a number of considerations to take into account when arranging your bakery insurance.

At Premierline, we offer flexible bakery insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your bakery shop, you should consider the following:

• Public liability – for injured shop visitors or damage to their property.
• Employers’ liability – to protect your shop employees.
• Buildings cover – to cover for loss or damage to your shop premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
• Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

Depending on your type of bakery business, you may need to consider other covers for food manufacturing, cafés or home businesses.

More information

The cost of your bakery shop insurance will depend on your baking and shop activities, the location of your bakery and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the cost could be.

The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.

We are committed to finding you the right insurance for your business. We have many years of experience arranging insurance for bakeries, so whether you’re baking at the premises and selling your products from an adjoined shop or café, specialising in cake making, or selling goods that have been baked elsewhere; we can arrange a bakers insurance policy that is tailored to your business needs. As careful as you may be, accidents do happen, and that’s where we can help to protect your business.

As a business insurance broker, we can source insurance for a range of different baking businesses. Such as:

• Traditional bakeries where you usually bake and sell from a bakery shop.
• Artisan bakeries that sell specialist baked goods.
• Speciality bakeries such as wedding cake makers.
• Café bakeries that have a dining area for customers to sit and enjoy their baked food.
• Home bakers who bake and sell products from home.

Depending on your type of business, you may be interested in food manufacturing insurance, café insurance or home business insurance.

If you bake goods from your home you may also require home business insurance as most home insurance policies exclude business activities. If you are unsure about your insurance requirements, our insurance advisors are on hand to provide advice and recommendations.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.