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Cake business insurance

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What's on this page

Why do you need cake business insurance?

From cupcake bouquets and vegan cakes to a classic Victoria sandwich, the sky's the limit – that’s the beauty of baking. With so much space for creativity, there’s room for accidents too, which is where cake business insurance can help out. It’s tailored cover, designed to keep your mind on the piping, not the what-ifs.

  • Tick iconprotection from unexpected claims for accidents and injuries
  • Tick iconcover for what you need like your laptop, stock and employees
  • Tick iconpeace of mind, knowing your hard work is covered if a crisis hits
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What does cake business insurance cover?

We’ll start with public liability insurance for cake makers, which can cover you against accidents in the kitchen or somewhere else. You might want to add cover for your essential kit – from laptops to fridges, and specialist ingredients or stock. Employers’ liability cover is also a legal requirement if you do have any staff.

Public liability insurance for cake makers

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

What’s typically covered by public liability insurance?

Claims against your business for:

  • Tick icondamage to someone’s property, because of your cake business
  • Tick iconan injury caused by your business activities
  • Tick iconaccidental damage or injuries caused by your employees

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

For example:

  • you deliver a box of cupcakes to a client and break a vase in their hallway
  • some cakes you’ve baked for a corporate client cause food poisoning on their away day
  • a client chips their tooth on a decoration that’s accidentally been mixed into a bake

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured because of working for your cake making business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • Tick iconan injury or illness that comes as a result of working for you (including temps and casual workers)

**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:

  • your assistant burns themselves while taking a cake out of the oven
  • a Christmas temp spills oil on the floor and slips, causing chronic back pain

Tools insurance

In case something happens to your cake-making or decorating equipment.

What’s typically covered by tools insurance?

  • Tick iconthe specialist tools you use for cake making, like handheld or portable electronic equipment
  • Tick iconloss, damage or theft

For example:

  • your cake mixer is stolen at a trade fair
  • a customer breaks your airbrush compressor kit

Read more about tools insurance

Stock insurance

In case something happens to your ingredients or materials.

What’s typically covered by stock insurance?

  • Tick iconloss, damage or theft of things like your food dyes, specialist flours or decorating materials

For example:

  • your cakes and dairy ingredients go bad, due to a power outage
  • a flood destroys your ingredients, in the run-up to a big order

Read more about stock insurance

Business and office equipment insurance

In case something happens to equipment like your laptop or oven.

What’s typically covered by business and office equipment insurance?

  • Tick icontheft of the equipment you use to run your business, like your laptop or oven
  • Tick iconaccidental loss of your equipment
  • Tick iconflood, fire or accidental damage

For example:

  • a fire in your kitchen damages essential appliances and equipment, including two ovens
  • while cleaning down, your employee breaks an expensive juicer

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs while running your cake business.

What’s typically covered by legal expenses insurance?

  • Tick iconlegal costs associated with day-to-day operations, like an employee dispute
  • Tick iconlegal costs associated with property damage, nuisance or trespass and associated legal costs
  • Tick iconHMRC, tax and compliance issues, if they come up
  • Tick iconincludes a tax advice helpline, a 24/7 confidential legal helpline and crisis support to help you protect your reputation, as a sought-after cake maker

For example:

  • you run into a dispute with a client, who is refusing to pay their balance
  • a temp you’ve hired for wedding season brings a case against you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident – at work, or elsewhere.

What’s typically covered by personal accident insurance?

  • Tick iconinjury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • Tick iconlost income, hospital bills or other medical costs associated with the accident

For example:

  • you cut your finger while slicing fruit for a christening cake
  • an employee you’ve covered breaks their wrist while playing football

Read more about personal accident insurance

How much does cake maker insurance 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 £5.14 per month

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

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

Example cake business quotes, real prices

£11.06 /month

£90.57 /year

A part-time cake decorator who creates cakes for small occasions

  • Less than 1 years' experience
  • Sole trader
  • No employees
  • Based in Colchester

Public liability

£1,000,000


Employers’ liability

Not included


Contents/business equipment

Not included

£26.73 /month

£237.56 /year

A small family-run cake-making business, providing cakes for all occasions (weddings, birthdays, small conferences etc)

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Warrington

Public liability

£2,000,000


Employers’ liability

£10,000,000


Contents/business equipment

£10,000

How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

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

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

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

    Choose the best fit for you

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    Get your documents the same day

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does cake maker insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider private tutor insurance or catering van insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm

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Find answers to common insurance questions

How do claims work?

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 any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having professional cake making insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Zara saved £2,500

Zara (not her real name) found a pipe leak when opening up her cake business premises for the day. Her entire dry goods stock was damaged, along with half of her frozen stock. Luckily, damage to stock by escape of water was covered by Zara’s policy.

Insurance payout

£2,500

Covering the cost of replacement stock


Zara's costs

£100

The excess amount stated in Zara's policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Insurance for cake makers FAQ

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 cake making insurance.

  • Public and product liability insurance are popular covers for home-based food and drink businesses, protecting you against slip-ups in the kitchen and bakes that cause a problem, such as food poisoning or an allergic reaction. And if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

    Even if you’re working from the comfort of your own kitchen, a home-based business will come with particular risks and requirements. We provide insurance for cake businesses up and down the UK, many of them operating from home.

    Find out more about insuring a home baking business.

  • It depends on your business and the particular risks you face, but most cake makers and decorators do choose to take out public and product liability insurance. This cover can protect you if your business or products cause an injury, or damage to a person or their property. And if you’re running a home cake business, insurance will be an important part of your set-up too.

    For example, a client comes to collect their cake from your shop-kitchen and slips on a wet floor, breaking their arm. In this case, your product and public liability insurance could cover a claim against you for their injury, which has been caused by your business.

  • 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 043 8527 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.

  • 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 instalments.

  • 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

Helpful articles for cake makers

A cake maker chopping fruit to decorate a cake

19 June 2020 • 6-minute read

Starting a cake business from home: a 10-step guide

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