Bakeries Insurance
Protect your bakery from food safety claims, equipment breakdowns and customer injuries with cover designed for baking businesses.
Get in touchWhat is bakeries insurance?
Bakeries insurance is a specialist policy that protects bakeries from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a bakerie business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your bakerie business faces.
Public Liability
Covers claims from customers for injury or illness related to your baked products.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your bakery premises, ovens, mixers and stock.
Products Liability
Covers claims from baked goods you produce and sell.
Who needs bakeries insurance?
Artisan bakeries
Producing handcrafted bread and pastries
Wholesale bakeries
Supplying baked goods to shops, cafes and restaurants
Bakery cafes
Combining a bakery with cafe seating and service
Home bakers
Running a baking business from a domestic kitchen
WHY CECIL
Built differently.
Food production risks covered
Bakeries produce food at scale. Cecil finds insurers who cover the specific risks of commercial baking, including allergen management.
Baking equipment protected
Commercial ovens, mixers and proving equipment are expensive. Cecil ensures your policy covers this specialist bakery equipment.
Wholesale supply covered
If you supply baked goods to other businesses, products liability covers claims arising from your products throughout the supply chain.
Competitive quotes for bakeries
Get options from specialist insurers to find bakery insurance from food sector specialists. Cover that reflects the specific risks of your baking business.
Common questions about bakeries insurance
Do bakeries need public liability insurance?
Yes, public liability is essential. Customers visiting your premises and consuming your products creates liability for both injury and food safety claims.
Does bakery insurance cover allergen claims?
Yes, products liability covers claims from customers who suffer allergic reactions to your baked goods, provided you follow proper allergen labelling and management.
Do home bakers need insurance?
Yes, if you sell baked goods to the public, you face the same food safety risks as a commercial bakery. Public liability and products liability are recommended.
What level of public liability do bakeries need?
Most bakeries carry between £1m and £5m. Wholesale supply contracts may require higher limits.
Does bakery insurance cover delivery of products?
If you deliver baked goods, make sure your policy covers your vehicles and the products in transit.
Interested in Bakeries insurance?
We will be in contact when Cecil launches.