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Bakers and Bakeries Insurance

Tailored cover designed to protect you and your bakery

  • 25% seasonal increase in stock cover over busy periods of the year
  • Standard product liability cover up to £5 million (higher levels available on request)
  • Free legal cover up to £100,000

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0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
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Features of our bakers and bakeries insurance

Bakery stock contents cover

As part of your bakers and bakeries insurance, we can provide stock and contents insurance for your bakery products. This cover can be extended beyond the standard limit if required. We can also include goods in transit cover.

Bakery product liability cover

We can include product liability cover for food produced and sold by your bakery, which will cover you in case a customers gets food poisoning. We can also cover you for allergic reactions suffered by your customers to your bakery's products, as long as any necessary information has been made clear to the customer.

Business interruption cover for your bakery

We like to include business interruption cover as standard in our bakery and bakery insurance policies. This cover will help you get back up and trading to the level you are now in the event of an insured peril.

Free cover for legal expenses

We will provide legal cover for your bakery of up to £100,000 as standard, at no additional cost to your policy, should you need assistance.

Bakers and Bakeries Insurance Claims

If and when it comes to the crunch and you need to make a claim, our claims team will work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Call or email us with:

  • Your policy number
  • Contact number
  • Claim details
  • Relevant photos
0344 346 0409

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Bakers and Bakeries Insurance FAQs

Will I be covered if someone has an allergic reaction to food my bakery has sold?

Yes, as long as the proper precautions were taken and any allergy information has been made clear in writing. (For example, if a product contains nuts, it must be stated on the product packaging when sold.)

Will I be covered if someone gets food poisoning?

Yes this is covered under the products liability section of your bakers and bakery insurance policy.

Do I need to tell you if I hire more staff?

We generally insure you based upon your wage roll, so you only need to tell us should this increase.

Can you insure me if I have more than one bakery?

Yes, our bakers and bakery insurance can cover multiple premises.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.

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