Bakery Insurance

Custom, fast and always-on insurance for new and existing bakeries.

Choose your primary coverage to get started:

Business Owner’s Policy

Business Owner’s Policy

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Workers’ Compensation insurance

Workers’ Compensation

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General Liability Insurance

General Liability

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Liquor Liability

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Other Coverages

Other Coverages

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Bakery insurance - NEXT

Bakery insurance to help your business rise

Bakery insurance for your small business can help you save money when things break, someone gets hurt or you’re faced with a lawsuit.

NEXT makes it fast, easy and affordable to get the insurance coverage you need, modify your policy or file a claim 24/7, and get instant proof of insurance.

We protect more than 500,000 small businesses like yours, including over 10,000 in the food industry.

You focus on the flour. NEXT-level insurance protection is the icing on the cake.

Bakery insurance coverage can help protect you from:

Theft

Theft

Burglary means that expensive equipment need to be replaced – fast.

Property damage and vandalism

Property damage and vandalism

A kitchen fire, water damage or power outage can damage equipment and inventory.

Injury or illness liability

Injury or illness liability

A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.

Fresh today: Commercial and home bakery Insurance
We know the coverage options you need to protect your small business and workers. Bakery owners often consider these types of business insurance:
General Liability insurance

General Liability insurance

For slip-and-fall injuries and damage to property you don’t own
Bakery insurance can provide financial help for many of the top financial risks to your business, including:

general liability can help you pay for:

Medical expenses
Damage to property you don’t own
Legal fees and judgments
Employment practices liability
Workers' Compensation insurance

Workers' Compensation insurance

Protection after workplace injuries
Workers’ compensation insurance can help pay for some expenses after a workplace injury like burns or back strain — and it’s often required if you have employees. It can help your bakeshop business pay for:

workers compensation can help you pay for:

Medical bills for employee injuries
Lost income
Employer liability
Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Financial help after customer injuries and property damage
A business owner’s policy includes liability coverage from commercial general liability and commercial property insurance. It can help protect you and your business from financial losses related to:

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury)
Business property damage
Food contamination
Business income interruption
Equipment breakdowns
Liquor Liability insurance

Liquor Liability insurance

You could be liable for alcohol consumption at your business
If your bakery serves alcohol, you could be held responsible if a guest injures themselves, someone else or causes property damage. Consider liquor liability insurance to help you cover costs in the event of:

liquor liability can help you pay for:

Injuries
Property damage
Legal fees and medical payments

10,000 small food businesses trust NEXT

Simple process
Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!
Adrian S.
Great insurance
I have not seen any insurance this simple. They make it easy. They have whatever coverage you need.
Idris H.
NEXT Insurance for small businesses
This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.
Jonathan W.

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.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
How much is insurance for a bakery?

How much is insurance for a bakery?

Your bakery insurance cost (a.k.a. monthly or annual premium) can vary based on a number of factors, including:

  • The type of bakery you run (wholesale, retail, home bakery, etc.).
  • Your bakery location.
  • Your payroll and what your employees do.

Get a free bakery insurance quote. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.

What business insurance is required for bakeries?

What business insurance is required for bakeries?

Food and beverage industry insurance requirements vary by state law and different situations. Bakery business insurance may be necessary to:

  • Serve customers. Property owners and local governments might want you to have insurance like general liability or workers’ compensation.
  • Hire employees. Many states require workers’ compensation if you have employees.
  • Deliver, pick-up or drive for business. Business-owned vehicles typically need commercial auto insurance.

Repair or replace property you own or rent. Protect your inventory, equipment and the building that you lease or own.

Resources to help your bakery business grow

Resources to help your bakery business grow

Insurance is just a small part of running a bakeshop. Learn more at the NEXT Small Business Blog, including:

Frequently asked questions about bakery business insurance

Here are some of the most common questions we get about bakery 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 customer, all you need to do is log in to your account and your Certificate delivers you the proof of insurance you need instantly. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited access to customized certificates 24/7 at no additional cost. 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 www.nextinsurance.com 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 www.nextinsurance.com, 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.

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* 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.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.