Insurance for Bakers
Public and Product Liability insurance
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What is baker insurance?
Baker insurance (the different types of insurance available to bakery businesses) helps you manage the potential cost of different risks, ensuring your bakery can continue smoothly despite unforeseen events.
Whether you work in a retail bakery or from your home kitchen, there are risks that you should consider protecting your baking business from.
Selling baked goods to the public carries the risk of food poisoning. This could trigger not one, but multiple claims.
Claims can also arise when your business activities damage a third-party’s property or if your baking tools were to be stolen. This is stress you don’t need. This is where business insurance comes into play.
Why do bakers need insurance?
Bakers may need business insurance to open a bakery, replace damaged equipment or stock, and cover unexpected bills.
Lease a retail space.
Protect your inventory.
Take time off during an illness or injury.
Pay legal costs if you face a liability claim.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs bakers insurance?
Business insurance is essential for many types of bakery businesses, like:
Biscuit or cookie shops
Bread vendors
Cake or pastry shops
Cake icing or decorating
What types of insurance do bakers need?
We offer a range of policies designed to cover your business, tools and stock. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for bakers:
Bakers could also consider:
How much does baker insurance cost?
The average monthly cost of business insurance for bakers is $118 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
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Andrea
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$3,600
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$800
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Stephen
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Linda
Restaurant owner from
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$1,000
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Public Liability insurance is an important type of insurance to consider if you’re a baker. Public Liability insurance is designed to provide protection for you and your bakery business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. Generally, Public Liability policies also extend to cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage.
Other common business insurance covers include:
- Contents – Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
- Machinery breakdown – covers the cost to repair or replace specified machinery following an unexpected breakdown.
- Glass – Covers the cost of replacing internal or external glass including mirrors and shopfront windows that may be accidentally or maliciously damaged or broken.
Hear from our customers
Real-life customer reviews verified by Feefo
Very happy that the consultant who took my call had a good understanding of the policy I needed and was able to get me through the whole deal quickly and easily
Matthew S
Very easy to deal with, rather than ring a dozen different companies.
Graham L
Thanks, needed insurance in a hurry as just offered a contract for this weekend. Everyone else was at home!
Pippa B
Real-life customer reviews verified by Feefo