As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need products and public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims.
Insurance for Home Bakers and Cake Makers
As anyone setting up their own home bakery business knows, there’s a lot more to it than simply making cakes. And the business side of things can get confusing. As a home bakery business like Polka Pops in Preston, Lancashire (pictured above), it’s important to have the right insurance in place to protect you should anything go wrong. But working out exactly what you need can be a difficult and time consuming process that takes you away from what you want to be doing –baking!
smei can take the hard work out of insurance by searching for the right cover for you, at the right price.
You Could Save Over 30%*
Contact our team to receive a no obligation, instant quote today.
Typical bakers insurance features can include**
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All risks.
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All standard perils.
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Alternative accommodation.
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Business buildings.
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Business contents.
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Business interruption.
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Computer equipment.
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Employers liability.
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Fidelity guarantee.
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Goods In transit.
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Human infectious diseases.
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Legal cover.
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Malicious attack/personal accident.
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Public and product liability.
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Work away.
Why Public Liability Insurance For Home Baking Businesses is so Important
As with any food production business, home bakeries have their risks. You will be working with potentially dangerous equipment, and as you’re preparing food for the public you’re responsible for ensuring it is safe to eat. You should be adhering to health and safety measures, but things can still go wrong and insurance will protect you should that happen. For example, if someone was to have an allergic reaction to something in your food then as long as it was labelled properly your insurance would cover you against any claim for compensation.
About the Home Baking Industry
Whilst bakeries have been popular for centuries, there has been a huge rise in people who bake at home. There’s so much to think about when running a small business, and when you’re working on your own it can be easy to miss some things. And insurance is vital for protecting your business and livelihood should anything go wrong. But help is at hand – discussing your insurance with smei means we can help you find an insurance package that is right for you, making sure that you’re fully insured, and at the right price. We aim to provide you with peace of mind and more time for you to spend on the rest of your home baking business.
If you're ready to move from home baking to setting up your own bakery, check out our bakery insurance page.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
Frequently Asked Questions
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If a customer finds a foreign object in your baked goods, suffers food poisoning or has an allergic reaction from eating your products, public liability cover protects you from the financial implications should they make a claim against you.
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