Bakery Insurance.
We Get You Covered.
Business insurance for bakeries, from shopfronts to home kitchens.
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If you run a bakery, you need insurance that covers the basics: public liability for customer accidents, property cover for your equipment and stock, and product liability in case something you've made causes harm. Most bakeries can get sorted with a standard business pack from the major insurers.
We work with bakeries across Australia, whether you're running a shopfront, operating from home, or supplying wholesale. We'll look at what you actually do, ask the right questions, and get you cover that fits.
RISK ARCHITECTURE
What bakery insurance typically covers
A business insurance policy for a bakery usually includes:
Public liability if a customer has an accident in your shop or gets injured because of your business operations.
Property cover for your premises, equipment, and stock if there's a fire, theft, or other insured event.
Product liability if someone gets sick from something you've baked or sold.
Business interruption to replace lost income if you can't trade due to an insured event, like fire damage to your kitchen.
If you've got employees, you'll also need workers compensation, which is arranged separately through your state's scheme.
Why bakeries need this cover
Even a small incident can cost you. A customer slips on a wet floor and breaks their wrist. Someone has an allergic reaction to a product and needs medical treatment. Your oven breaks down or your shopfront gets damaged.
Without the right insurance, you're covering those costs yourself. With it, you're protected and can keep running your business.
TECHNICAL ANALYSIS
What we look at when quoting
We'll ask about your setup: are you a shopfront bakery, home-based, or wholesale? What's your annual revenue? Do you do any catering or off-site work, like markets or events? What type of products do you make, and do you handle common allergens? We'll also ask about your premises and equipment, whether you've got employees, and if you've had any past claims. This helps us get you the right cover at a fair price.
Your premises and equipment
Whether you've got employees
If you've had any past claims
Your premises and equipment
Whether you've got employees
If you've had any past claims
KNOWLEDGE BASE
Common questions bakeries ask
Get a quote for your bakery
Call us on 02 9000 1155 or get a quote online. We'll ask the right questions, explain what you're actually covered for, and get you sorted.