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Fully Protect Your Business and Your Employees With Insurance for Bakers

From employee injuries to accidents in company-owned vehicles, bakeries have to be prepared for the potential financial impact from a wide range of risks. At biBERK, we provide tailored bakery insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a baker's insurance policy, manage it, and report claims online for ultimate convenience.

Why is it Important to Have Insurance for a Bakery?

There are many reasons that it’s necessary to have insurance for a bakery, whether it's coverage for a store or home bakery insurance. Stoves and ovens are fire hazards. Losses from refrigeration system failures can happen. If a customer becomes ill from something you serve, you could be legally liable. A business owners policy or BOP (also called property & liability insurance) could cover damages and legal fees in these instances. Employee injuries are a risk, so workers’ comp is important. Commercial auto coverage for your business vehicles is also advised if you make deliveries. And coverage is available conveniently through a hired and non-owned auto liability add-on for a general liability or business owners policy for liability from delivery drivers’ using their own vehicles or leased vehicles.

Any Business That Bakes and Sells Baked Goods Needs Business Insurance, Including:

    • Bakery shops
    • Bagel shops
    • Baked goods shops
    • Bakery delivery
    • Cake decorators
    • Cake designers
    • Chocolatiers
    • Commercial bakers
    • Donut shops
    • Food stylists
    • Home bakeries
    • Pastry chefs
    • Pastry shops
    • Production bakers
    • Retail bakers

How Much Does Insurance for Bakers Cost?

Your bakery insurance cost for the different policies you need will be calculated based on a number of factors. These include your location, business size, and claims history. You can get bakery insurance cost quotes online for the different policies you need.

Baker getting bread from the oven

What are the Different Types of Bakery Insurance?

At biBERK, we offer six different types of insurance for small business owners like you—all of which have different bakery insurance costs. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

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General Liability insurance

Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of bakery insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Cyber insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Umbrella insurance

Every baker's insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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Why biBERK for Bakery Insurance?

We’re the experts when it comes to small business insurance.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

See why biBERK is easier and more convenient for store and home bakery insurance when you obtain your free quote online.