Home bakery insurance

Get tailored quotes in 7 minutes

  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare home bakery insurance from trusted brands
Baker taking a photo of her home-made cupcakes

Why do you need home bakery insurance?

They say most businesses start at the kitchen table, and yours is the proof in the pudding. Love, care and attention to detail put you a cut above, but even experienced bakers can have a slip-up or two. Home baking insurance takes care of the risks you face, letting you focus on your next show stopper.

  • home baking insurance that’s UK-specific
  • cover for what you need like your products, stock and equipment
  • peace of mind, knowing your hard work is covered if a crisis hits

What does home bakery insurance cover?

We’ll start with public liability insurance for home bakers, covering you against accidents in your kitchen or claims against your product – for example, if someone chips a tooth on a cake decoration you’ve used. From there, you can add bakers’ insurance for stock and equipment, plus employers’ liability cover if you’ve hired any help.

How much does home bakery 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 £4.74 per month

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

Get your tailored quotes in 7 minutes

Example home baker quotes, real prices


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



Employers’ liability

No excess

No excess







Business equipment



How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Direct to


How do I choose insurance for home bakeries?

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.

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 – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527


Contact us on our website whenever suits you


Call our insurance experts during office hours (calls are charged at a local rate)


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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example home bakery insurance claim

Having home baking insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Pat saved more than £3,600.00

A fire in Pat’s (not her real name) recycling bin at the back of her property caused extensive damage to her kitchen’s double doors, roof and guttering. Her stock was also damaged by the emergency services team when putting the fire out.

Home 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 home bakers insurance. You can also check out our business insurance FAQs.

Even if it’s a side hustle and you’re only taking a few orders here and there, your home baking business carries risks – to you and your customers, as well as suppliers and employees, if you have any, and anyone visiting you at home.

Public liability insurance for home bakers, as well as product liability, can cover you if someone makes a claim against you for injury or damage. For example, someone falls ill after eating a pastry you’ve sold, and holds you responsible.

You can also add stock and tools insurance, for your essential kit and supplies, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you.

Insurance is a priority for most food and drink or catering companies, and home bakers are no exception to the risks faced in this sector.

If you’re selling to the public, product and public liability insurance for home bakers can cover you for all sorts of accidents and injuries. Do you sell pastries to local businesses, for example, for meetings and away days? If a customer became ill after eating your product – even worse, their whole team – you could face a damaging compensation claim.

Having this cover in place lets you get on with managing orders and doing what you do best – creating amazing bakes – not worrying over the what-ifs.

We’ve put a bit more detail in the first two FAQs, but just like a home bakes business, home-based cake decorators may find insurance handy. It can cover you for risks like a product causing injury, or something happening to your stock and equipment.

Remember, if you employ anyone, even from home, employers’ liability insurance is usually a legal requirement.

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.

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.

Helpful articles for home bakers