Bakery & Home-based Baker Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
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.
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
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
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
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
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
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 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.
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.
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 can 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 could 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 could 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?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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 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 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.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
* 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.