Next Insurance

Bakery Insurance

You can save up to 25% in discounts on business insurance.*

Bakery insurance
Bakery insurance - NEXT

Bakery insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the bakery insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our bakery business insurance packages typically include:

  • General liability
  • Commercial auto
  • Workers’ compensation
  • Commercial property

You can save up to 25% in discounts on bakery insurance

You can pay for your bakery insurance monthly or annually and you can cancel instantly at any time.

Lowest Price
Commercial Auto
Combined single limit
General Liability
Per occurrence
Commercial Property
Per occurrence
Most Popular
Commercial Auto
Combined single limit
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for bakery and confectionery insurance and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of bakery accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by commercial vendors.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you sideswipe another car while delivering a cupcake order.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation

Workers’ Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory, spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does business insurance cost

How much does bakery insurance cost?

Bakery insurance quotes vary based on the risks that your business faces, such as:

  • The types of food you bake
  • Where your kitchen is located
  • If you have any employees
  • The type of vehicles you use for work

Bakeries can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.

Everything you want to know about Insurance

Bakery insurance requirements

Bakeries are almost always required to have insurance due to the risk of injury to customers and damage to property, whether you own a bakery shop or run a home-based bakery. You might need insurance to:

  • Start selling homemade baked goods. Vendors might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, bakery business equipment and even the building that you lease or own.
Tips for Bakery Owners

Resources for Bakery Owners

We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated these helpful checklists and tips for bakery owners to protect and grow your food business.

Frequently asked questions about bakery business insurance

Here are some of the most common questions we get about bakery business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect bakeries?

Our bakery insurance packages are designed to protect your home-based bakery business or bakery shop from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You break a glass door while delivering a wedding cake to a venue. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer falls down your front steps when arriving to pick up a pie. Your general liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

Your employee burns their arm while pulling a cookie sheet out of the oven. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp coverage is usually required by law if you have employees.  

Injuries and damage involving your business vehicles

A tree falls during a storm and shatters your car roof. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

A water pipe bursts and causes significant water damage to your kitchen and baking equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage).

If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.

The quickest way to talk to our U.S.-based customer service team is through chat.  You can reach us by clicking “chat with us” at the very bottom of the help center page.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.
Certificate of Insurance


Download the NEXT mobile app and get your COI in seconds.
Download from app storeDownload from google play

More professions that are covered by NEXT

Food Truck, Personal Chef, Meat Shop, Grocery Store, Coffee Shop, Catering, Restaurant, Bakery, Food Cart, Farmers Market
Take a look at some helpful blog posts
How to find the right restaurant funding

How to find the right restaurant funding

3 essential retail employee trainings for your business

3 essential retail employee trainings for your business

The 8 best construction certifications for gaining more business

The 8 best construction certifications for gaining more business

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
What we cover
Chat with Us

Mon – Fri | 8 a.m. – 5 p.m. CT

© 2022 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
Better Business Bureau
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.