Baking insurance

Maybe you deal in doughnuts and danishes. Sourdough loaves or French patisserie. Building a cupcake empire from home or creating custom wedding cakes in your commercial kitchen.

Whatever you bake – it sells like hot cakes. And you make it with love. Whether you sell by yourself or work out of a bakehouse, your bakery business – whisks, bowls, ovens and all – needs to be protected.

That’s where AXA’s business insurance for bakers comes in – providing all the ingredients you need to blend the insurance that’s right for your bakery. And meaning you only pay for the bits you need.

Why would a baker need business insurance?

Any business is at risk of illness, accidents, damages and theft – no matter the industry they’re in, or how careful they are. What if a customer is injured by one of your creations, or property is damaged when you’re making a delivery? Maybe a staff member is injured by a sharp knife or breaks a bone in a fall in your kitchen.

Without insurance, you’ll need to shoulder the potentially hefty legal fees and compensation costs on your own. But with it, you’ll be protected to help you deal with legal fees and other costs – meaning you’ll be able to get on with the most important business of all: keeping your eye on the oven.  

Do I need insurance for my bakery employees?

If you have staff, or anyone who works for you (even occasionally, such as temporary or seasonal staff, apprentices or volunteers) then you’re legally required to have employers’ liability insurance. Did you know you can be fined £2500 for every day you’re not properly insured?

It’ll cover you if your staff fall ill or are injured as a result of working for you, providing up to £10 million in protection for legal costs and possible compensation fees. Plus, it can cost as little as £42 a year for your cover – a small price to pay for an investment in your future business security.

I’m operating my bakery business from home, can I get insurance?

If you’re a home-based bakery, we can help protect you keep it safe. You’ll need to check that the work that you’re doing isn’t invalidating your home insurance – as some types of work can.

With AXA’s flexible contents insurance, you can protect the equipment you use to run your business – plus any stock that you have stored on your property, and even protect your products when they’re being delivered to your customers.

How much does business insurance for bakers cost?

In 2020, 10% of our bakery customers paid £129.29 for their insurance* – but the quickest way for you to find out your price is to get a quote online. It’ll only take a few minutes and if you choose to buy through our website, you’ll get a 10% discount.

Can I get my baking equipment insured?

Yes, you can protect your baking equipment. From your dough mixer and oven, right down to your favourite whisk and your biggest cake tin – we’ll help you protect your essential kit.

And if you have a premises, like a shop, wholesalers or sell-out bakery, then contents insurance can cover fixtures, fittings and accidental damages – and a round-the-clock helpline for assistance when you need it. With our goods in transit insurance, we can also cover your stock when it’s out for delivery, or if you’re selling through stalls and markets.

 

What insurance can I choose from?

Choose from the covers below and mix up the insurance to fit your company.

Public liability insurance

Up to £5m cover for compensation and legal costs that people may make against you, if they’re injured or their property is damaged as a result of dealings with your business.

Find out more about public liability insurance

Employers’ liability insurance

Protection for your staff, if they’re injured or become ill as a result of working for your business. If you have anyone working for you (temporary, weekend staff or apprentices) then you’re legally required to have this.

Find out more about employers liability insurance

Contents cover

Safeguard your stock and business premises with contents insurance. It can also protect you for loss of money, deterioration of stock and with goods in transit cover, protect products when they’re out for delivery.

Find out more about contents insurance

* 10% of our customers with this kind of insurance paid this between January - October 2020