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Bakery insurance

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Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Bakery business insurance – why is it important?

From the food you sell to customers, to your staff and business premises, problems at your bakery shop can be expensive to fix. From injuries to legal costs, if you were hit with a claim, would you have the funds to handle it? Business insurance is there to protect you against unexpected costs.

  • compare cover from expert UK brands and protect your business
  • public and product liability between £1 million and £10 million
  • UK-based claims team, award-winning and available 24/7

Start your quote

What does bakery insurance cover?

Build a policy that covers the unique needs of your bakery. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by bakery public liability insurance?

Claims against your business for:

  • causing damage to someone’s property, caused by you or as a result of your work
  • causing illness or injury because of your business activities
  • accidental damage or injury caused by your employees, if you have any

For example:

  • you spill hot coffee over a client during a meeting, causing a burn
  • a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
  • one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your bakery

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury to someone you employ, including contractors and temps, that happens as a result of working for you
  • a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
  • a temporary employee traps their hand in a door at your premises, causing several fractures
  • a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • theft or vandalism to your office furniture or business equipment
  • damage or destruction caused by fire or flood

For example:

  • a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
  • someone forces entry to your business premises and graffitis your office furniture
  • a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your bakery.

Claims against your business for:

  • costs and expenses for legal representation to recover debts or unpaid invoices
  • costs and expenses following identity theft
  • tax protection if there’s an investigation into your business

For example:

  • one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
  • your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
  • HMRC is investigating your recent tax return as they noticed a fluctuation in your business income

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you twist your ankle while exercising and can’t work for over a week
  • one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
  • you’re working near a building site and an extremely loud noise results in sudden hearing loss

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • loss of stock, and theft or malicious damage to your stock
  • damage or destruction to stock caused by fire or flood
  • the essentials you keep as stock – the items you need to sell to operate

For example :

  • flooding in your storage unit destroys your stock
  • you make a big Christmas packaging order that’s stolen while you’re speaking with a supplier
  • someone drives into your shop, smashing the windows and destroying a week’s worth of stock

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

  • accidental damage to specialist business equipment
  • theft of the tools you use to do your job
  • loss of your bakery equipment

For example:

  • your business tools are damaged in a fire or flood
  • your equipment is stolen while you're on the job
  • you lose your tools and equipment while travelling

Read more about tool insurance

Buildings insurance

In case something happens to your bakery premises.

What’s typically covered by business building insurance?

Claims against your business for:

  • the cost of structural repair (or rebuilding from scratch) following damage to your building
  • damage to fixtures and fittings
  • underground pipes and cables that you’re responsible for

For example:

  • someone vandalises your shop with graffiti, which you need removing ASAP
  • your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
  • a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does insurance for a bakery cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

Stock

£200

£4,000

Main building

£200

£400

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

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How do insurance claims work for a bakery?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

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  • Rated 4.7/5

    Based on 39,755 reviews

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Bakery insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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