Insurance for Bakeries
Coverage that protects your recipes and your business.
Get comprehensive bakery insurance that covers your equipment, protects against liability claims, and keeps your business running.
Licensed agents who understand food service deliver fast quotes and expert support for bakeries nationwide.
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Licensed agents who understand your industry and get you competitive quotes fast.
Why Bakery Insurance Matters
Protect your bakery from the unique risks of food production
Running a bakery means managing food safety risks, equipment breakdowns, and the constant flow of customers through your space. From slip-and-fall accidents to foodborne illness claims, bakeries face significant liability exposure that requires proper coverage.
Most bakeries need General Liability (for customer injuries and product liability), Commercial Property (to protect ovens, mixers, and inventory), and Workers' Compensation for employees working around hot equipment. Many bakeries benefit from a Business Owners Policy that bundles these coverages.
Whether you run a retail bakery, wholesale operation, or specialty cake business, the right insurance protects you from claims that could shut your doors. Product liability coverage is especially important since you're producing food items consumed by the public.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers customer injuries, foodborne illness claims, and product liability for your baked goods.
Workers' Compensation
RequiredRequired for employees. Covers burns, cuts, and injuries common in bakery environments.
Business Owners Policy
Bundled coverage for property, equipment, liability, and business interruption—ideal for bakeries.
Industry Risks
Common risks you need to protect against
Real risks bakeries face
See how the right insurance protects your bakery when things go wrong
Risk
A customer has a severe allergic reaction to a product containing nuts that was labeled nut-free.
General Liability (Product Liability)
Pays for medical expenses, legal defense, and settlement—protecting you from claims that could reach $100,000+.
Risk
A customer has a severe allergic reaction to a product containing nuts that was labeled nut-free.
General Liability (Product Liability)
Pays for medical expenses, legal defense, and settlement—protecting you from claims that could reach $100,000+.
Risk
Your commercial oven breaks down during peak wedding cake season, forcing you to close for repairs.
Equipment Breakdown + Business Interruption
Covers repair costs and lost income while your oven is being fixed.
Risk
Your commercial oven breaks down during peak wedding cake season, forcing you to close for repairs.
Equipment Breakdown + Business Interruption
Covers repair costs and lost income while your oven is being fixed.
Risk
An employee suffers burns from hot sugar while making caramel.
Workers' Compensation
Covers all medical treatment and lost wages while your employee recovers.
Risk
An employee suffers burns from hot sugar while making caramel.
Workers' Compensation
Covers all medical treatment and lost wages while your employee recovers.
Why Choose Us
Why bakeries choose 1-800-INSURANCE
- Coverage designed for retail and wholesale bakeries
- Product liability for food items you produce
- Equipment breakdown coverage for ovens and mixers
- Help meeting health department and landlord requirements
- Fast certificates for farmers markets and events
- Affordable coverage for home-based bakery businesses
Commercial insurance experts
Essential coverage for bakeries
Compare quotes and get the specific policies your bakery needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Bakery Insurance FAQs
What insurance does a bakery need?
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Most bakeries need General Liability (with product liability), Commercial Property, and Workers' Compensation for employees. A Business Owners Policy often bundles these at a lower cost.
Does bakery insurance cover allergic reactions?
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Yes. Product liability coverage, included in most General Liability policies, covers claims from allergic reactions to your products. Proper labeling and allergen procedures help prevent claims.
Do I need insurance for a home bakery?
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Yes. Home bakery businesses typically need General Liability and product liability coverage. Your homeowner's policy usually excludes business activities. Check your state's cottage food laws for requirements.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.