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As a cake maker and/or cake decorator you work hard to make your clients’ special occasions all the more special, but sometimes things can go wrong.
If a client suffers an allergic reaction or catches a bug from one of your cakes, or if they have an accident when collecting their order, then you may face legal consequences and a hefty financial penalty if you’re not correctly insured.
The insurance you need depends on your business and the risks you face, but these are popular covers for cake makers and cake decorators:
Product liability insurance protects you in the event that one of your cakes causes injury or damage to a person or their property. While we know cake makers and decorators put a lot of effort into their work, mistakes do happen, and this insurance is there to cover should anything like that go wrong.
Public liability insurance is important if you have clients collect their cakes from your premises, or if you take your creations out to markets or fairs. This will cover compensation payments and legal fees if a client or another third party makes an injury or damage claim against you.
Stock cover and tools insurance will keep you covered if your equipment or stock suffers any damage, or if either of these things are stolen. Even the most skilled baker can’t make or decorate cakes without their tools and supplies, and stock and tools insurance will cover the cost of replacing stolen or damaged items.
Employers’ liability insurance is a legal requirement for most businesses that have staff, so it’s an important consideration if you employ people in your cake making or decorating business - even on a casual basis. It can cover compensation claims made by staff because they’ve suffered illness or injury as a result of their work.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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