Bakery Insurance

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

Choose your primary coverage to get started:

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Bakery insurance coverage can help protect you from:

The costs of accidents and injuries

A customer has an accident that results in medical bills, and they ask you to pay.**

Property damage and vandalism

A kitchen fire, broken window or power outage can cost you with damaged equipment and inventory.

Injury or illness liability

An employee gets injured on the job and they’re seeking medical coverage, rehabilitation or disability benefits.

Baker insurance that’s fast, easy and affordable

NEXT specializes in small business insurance. Bakery insurance policies can help protect you, your baking business and your employees from the cost of unexpected events.

NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

NEXT specializes in business insurance for your bakery or home bakery business

Insurance for a bakery is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for a bakery

Protection for damage to other people's property and injuries to non-employees

General liability insurance can help protect your bakery business if a customer is injured on your premises or if you or your employees accidentally damage someone else’s property during deliveries or events.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Commercial Auto insurance

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles. This coverage can help pay for medical expenses or property damage if you or an employee are in an accident while driving for work. Personal auto insurance usually doesn’t cover business use; commercial auto can help protect you when you deliver baked goods or pick up ingredients.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental car reimbursement

Workers' Compensation insurance for the bakery business

For employee work-related injury and illness

If you hire employees, most states require workers’ compensation insurance. This coverage can help pay for medical expenses and lost wages if your employees are injured on the job. For example, if a baker burns their hand on an oven or slips while cleaning, workers’ comp could help with medical bills and income loss while they recover.

workers compensation can help you pay for:

Medical costs

Lost income during recovery

Employer liability

Commercial Property insurance for bakeries

For business owners who own or rent physical spaces

A commercial property insurance policy can help protect your bakery’s building, ovens, refrigerators, display cases and the other equipment inside. If your shop or inventory is damaged by a covered event such as a fire or a power surge that leads to food spoilage, this coverage can help with repair or replacement costs.

commercial property can help you pay for:

Damaged equipment and inventory at your business

Lost income if you’re forced to close for repairs

Damage to your building after a covered event

Business Owner’s Policy (BOP insurance)

Financial help after customer injuries and property damage

BOP insurance combines commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury)

Property damage

Business income interruption

Equipment breakdown coverage

Liquor Liability insurance

Protection from the risks of serving alcohol

If you serve alcohol to the public as part of your business, you could be held liable if an intoxicated customer that you’ve served causes injuries or property damage. If you pair wedding cake with champagne at special events, or wine with canelés at private tastings, liquor liability coverage, an add-on to general liability insurance, could help cover costs if you’re held accountable for damages.

liquor liability can help you pay for:

Injuries

Property damage

Legal fees and medical payments

ERGO NEXT Insurance reviews

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First time insurer

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Best insurance we did it

I did my insurance with them, and they are helpful to make best insurance with great price. Thank you for them🙏

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First time insurer

This was my first time having to get insurance for a business. I put it off for awhile because I was intimidated by the process. I was completely wrong though. NEXT made this proce...

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Save up to 25% in discounts on bakery insurance

Pay monthly or annually, and you can cancel 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

How much does bakery insurance cost?

Premiums for bakery business insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of bakery you run (cottage bakery, home bakery, retail bakery).
The types of clients you have.
Your bakery location.
Your number of employees and what they do.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your food business.

How can insurance for bakeries help your business?

You might need bakery insurance (or home bakery insurance) to help your business:

Handle customer injuries or property damage. General liability insurance can help if a guest slips on a wet floor, trips over a display, or if you accidentally damage someone else’s property.
Respond to food-related claims. Liability coverage can also help if a customer alleges they got sick or had an allergic reaction after eating your baked goods.
Protect your kitchen and equipment. Property insurance can help repair or replace ovens, mixers or display cases after an equipment breakdown, fire, theft or other covered event.
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.

Bakery insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How can business insurance protect bakeries?

Whether your run a home bakery, a cottage bakery, a retail bakery, a wholesale bakery or something else, NEXT’s bakery insurance can help protect your shop from a variety of business risks, including:

A customer slips and falls on a mopped floor inside your bakery.
An oven malfunction causes smoke damage, and you need to repair your kitchen and replace spoiled inventory.
A delivery van is involved in an accident and destroys a fence while transporting pastries to an event.
You accidentally break a glass door while delivering a wedding cake to a venue.
Your employee burns their arm pulling a cookie sheet from the oven and needs emergency medical care.
A water pipe bursts and causes significant water damage to your kitchen and baking equipment.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.