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Bakery insurance
Compare bakers’ insurance
Tailored business insurance for your bakery business
Protect against claims made by customers and employees
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like your bakery
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
bakers’ insurance?
When you’re getting fresh bakes out the oven, most of the time they’ll be perfectly risen, but it’s not always easy to know when you'll have a bad batch. The same applies to risks in a bakery.
An employee could slip on batter and badly injure themselves, or a customer could get sick after eating a baked good you’ve sold them. Having bakery insurance covers your bakery in case the cookies crumbles and you’re left to pick up the pieces – with a costly compensation claim on top.
Why do bakers and bakeries need insurance?
As with any eatery that uses ovens and serves food – there are always risks and you can’t always predict or prevent. For example:
- Accidental fires caused by fryers, ovens or hobs
- A customer slips on a greasy floor and injures themselves
- It’s the law to have employer’s liability insurance if you have any employees
Who needs bakery insurance?
Whether you sell jam donuts, celebration cakes, traditional pork pies or something in between - we can help sort your business insurance. We‘re able to support the following business types:
- Retail bakery shops
- Patisseries
- Cupcake shops
- Bread bakeries/sourdough specialists
- Wedding cake shops
- Wholesale bakeries
- Pastry shops
- Bakery food trucks
- Cookie, donut and dessert shops
It’s likely we can still help you even if your business isn’t listed. Find out today, our knowledgeable insurance team will be on hand to help.
What type of insurance do bakeries need?
Understanding what insurance your bakery kneads is like finding the right mix of ingredients - you need to get it right.
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
Covers you a customer claims a food or beverage item you provided caused them harm
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Using equipment like ovens to bake your goods comes with risks. From employee injury to fire damage, bakery insurance can keep you baking while keeping risks at bay.
James Barwell, Insurance Director
How much does bakery insurance cost?
This really depends; the costs vary depending on the size of your business, where it’s located, the policies you take out and claims history.
Are you covered if someone suffers food poisoning?
If you take out public liability insurance with Bionic, you should be covered if a customer suffers from food poisoning. A member of our insurance team will be able to ensure the scope of coverage fits the needs of your bakery business. Start a quote to get in touch.
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded.
Find out why your business needs insurance from Les, our Business Comparison Expert.
Can you get insurance for multiple bakeries?
Yes, we can cover your bakery if it expands across multiple locations. You can always adjust your policy as your business grows to make sure your bakery operations are sufficiently covered.
Get your bakery business set with Bionic
At Bionic, we support and champion UK business owners and want to help in every way we can. We work with a panel of trusted insurers to provide insurance options for UK small to medium businesses.
We focus on getting you the right cover, ensuring you are properly protected against risk while carrying out a business insurance comparison. Get in touch with us today.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Bakers & Bakery Insurance FAQs
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