Cake maker & decorators insurance

Make protecting your business a piece of cake

  • You’re in control – choose the covers you need and create your perfect policy
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What do cake makers and decorators do?

People say that most businesses start at the kitchen table and that is certainly the case for you. Your passion lies in creating tasty treats for other people that are going to make their day. Whether it’s an intricate wedding cake, cupcakes for any occasion, or something sweet to celebrate a special birthday – you put a lot of love, care and attention into making your cakes as prefect as possible.

What is cake makers business insurance? 

You pour your heart and soul into your creations – the proof is in the pudding. From birthdays to anniversaries, weddings to retirement dos, you add a personal touch to each cake you bake – no matter the occasion.

That’s why it’s important to protect your business with insurance that’s customer built for your business. With business insurance from AXA, you can create your perfect policy. 

Choose from public liability, contents insurance, and employers liability insurance as well as a variety of additional optional covers. We cover a range of business types, from bakers with a whole shop to those running things from their homes, so you can rest assured that we’ve got your back.

Do I need cake makers and decorator’s insurance?

Business isn’t always a cakewalk. Frosting custom cupcakes from your kitchen, selling wholesale bakes to cafes, or whipping up wedding cakes to order – whatever you’re baking, your business will need some level of protection.

What if a customer takes an allergic reaction? A staff member burns themselves on an oven, or trips when they’re at work? Working from home or out of a dedicated bakehouse, you’ll need some form of insurance to protect your equipment, fixtures and fittings.

If you don’t have insurance, you stand to lose a lot more than the cost of a claim. For example;

  • Downtime in getting orders fulfilled
  • Unhappy clients and customers
  • Loss of income from unfulfilled orders
  • Loss of customers
  • Damaged reputation

To make sure your business doesn’t suffer any of the above, it’s important your have the proper business insurances in place.

Why do cake makers and decorators need public liability insurance?

You might not think a cake-making business comes with risks, but like any other company – you stand in danger of accidents that have the potential to challenge your business and livelihood. That’s why it’s important to be insured.

What if a cake that you’ve made causes a reaction to a client with an intolerance or allergy ? Or they suffer an accident when they come along to pick up their order through a trip or a fall? You could be considered liable for any injury caused, and if you didn’t have insurance – you’d have to pick up the bill for any legal fees or compensation costs out of your own pocket.

Public liability would help you foot these fees – meaning you’d be able to carry on with business if the worst were to happen.

Is insurance a legal requirement for selling and decorating cakes? 

If you have employees or are responsible for anyone in your business, then yes, employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969.

Otherwise, business insurance isn’t a legal requirement for your business making, decorating or selling cakes. However, it is very beneficial for you to have. The covers might want to consider are;

  • Public liability insurance is important for baking businesses in case someone gets injured as a result of your business or it’s products. If you sell a cake that is contaminated, and a customer gets sick, this insurance will have your back.

  • Contents insurance is important for protecting your contents and stock and will cover things like special mixers, decorating stands and other equipment insured in case of damage.

  • Buildings insurance if you have a shop where you work and sell your products from.

Do I need public liability insurance if I run my baking business from home?

If you’re running your home baking business from your own kitchen, you might feel like you don’t need public liability insurance. But if customers are visiting you, or you’re visiting them to deliver, then you’re still interacting with the public – and run the risk of accidents or damage occurring.

Another thing to consider - your home insurance is likely not enough to protect your equipment and the work that you do. It’s best to check. You can choose our business contents cover to keep things like special mixers, decorating stands and other equipment insured in case of damage.

How does employer’s liability work for my cake making business?

You can protect your employees against illness and injury with employers’ liability insurance. It’s a legal requirement if you have any staff – including contractors, apprentices or part-time staff.

AXA offer £10m protection to cover legal costs and compensation in case of injuries or illness caused to your employees as a result of working for you, as well as providing up to 50 days free cover for temporary staff. And, if you need to attend court, you’ll get up to £250 compensation a day.

Am I covered for my baking deliveries? 

If you deliver to customers, we can help you protect your deliveries while there in transit. With our goods in transit cover (an add-on cover that you can buy with your contents insurance), we will protect your cakes and bakes if they get damaged or lost on the way to customers.

What if I use a van for my deliveries? 

If you own a van for your business, it would be wise to invest in van insurance to protect your van when moving from location to location.

Am I still covered by cake maker insurance if I rent my property? 

If you own a cake shop or stall, you can protect your workspace, equipment, shopfront and stock against damage with AXA’s contents insurance. Find out more about the cover we offer on our shop insurance page.

Our shop insurance is there to protect you, whether your business is online or on the high street, we’ve got you covered. We can offer you;

  • A 30% increase in stock cover – at dates of your choice – with contents cover
  • Accidental damage as standard with contents cover
  • Cover for your goods while they’re in transit
  • 24-hour glass replacement with contents cover
  • Cover for your business whether you work from your own premises or from home

How much does cake makers and decorator’s insurance cost?

Every business insurance policy we sell is unique to that individual business, so there’s no one size fits all when it comes to prices. The quickest way to find your price is to get a quote, which you can do online in just a few minutes. Plus, by getting your quote online you’ll get 10%* off the cost of your policy.

Ready to get started?

Get a business insurance quote

Does cake maker's insurance cover events?

Whether it’s a wedding, a village bake sale or a fete that you’re selling your cakes – with public liability insurance, you’ll be able to work on-site at events and be protected against third-party injury and damage caused by you or your creations.


What insurance do cake makers and decorators need?

Choose from the options below and craft the perfect cover for your cake company.

Public liability insurance

If a third-party makes a claim against your business for accidental injury or damage, public liability can protect you. Product liability, which is included as part of your cover, will protect you from any claims in relation to your products.

Find out more about public liability insurance

Employers’ liability insurance

If you are responsible for anyone that’s working for your business and the fall ill or get accidental injured as result of working for you, employers’ liability will protect you from claims. 

Find out more about employers liability insurance

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*This discount is applied automatically and lasts for the lifetime of your policy.