Bakery Insurance For Small Businesses 
What types of insurance does a bakery need?
Get Bakery Business Insurance That’s Tailored to Your Kitchen
From early mornings to warm ovens, running a bakery is both an art and a business and it deserves the right protection. At Gild, we offer bakery insurance built specifically for small businesses in the food industry. Whether you run a storefront, cater special events, or sell at local markets, we help cover your space, staff, and equipment. Wondering what type of insurance a bakery needs or how much bakery insurance costs? Our plans make it easy to find the right insurance for your bakery, with flexible, affordable options that grow with your business. Discover bakery business insurance.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Bakery Business Insurance For Your Kitchen, Team, and Customers
Every order, delivery, and customer interaction brings risk. That’s why Gild Insurance’s bakery business insurance is designed to protect your kitchen, your team, and your operations. Our affordable and flexible coverage helps cover liability claims, property damage, equipment breakdowns, and food-related incidents. Whether you own a neighborhood bake shop, manage a catering business, or sell at farmers markets, we offer expert-backed insurance that supports your business today and expands with your growth. With Gild, protection is always baked into your success.
What Qualifies as a Bakery?
Bakeries aren’t limited to storefronts selling bread and cupcakes. From an insurance perspective, coverage can apply to:
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Retail bakeries with walk-in customers.
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Wholesale operations producing goods for cafés or grocery stores.
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Custom cake or catering businesses running from commercial kitchens.
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Specialty or seasonal pop-ups serving niche products.
If you’re preparing, baking, or selling food, you need a bakers insurance policy that reflects your daily operations and unique risks.
What Does Bakery Business Insurance Cover?
The right bakery business insurance considers essential coverages that help you manage everyday risks and keep your business protected.
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General Liability Insurance – Covers slip-and-fall injuries, property damage, or food-related claims.
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Commercial Property Insurance – Protects ovens, refrigeration systems, and display cases.
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Product Liability Insurance – Helps if a baked good causes illness or injury.
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Workers’ Compensation – Covers medical expenses and lost wages if staff are injured.
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Business Interruption Insurance – Replaces lost income during closures caused by fire, equipment breakdown, or other covered events.
How Much Does Bakery Insurance Cost?
On average, bakery owners pay between $500 and $1,200 annually depending on factors like:
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Location and local risk factors
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Size of your operation and annual revenue
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Employee count and payroll
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Equipment value
Retail shops may pay less, while wholesale or catering operations often face higher costs.
The best way to find your bakery insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Right Bakery Insurance Today!
Your bakery is more than what’s in the oven, it’s your livelihood and part of your community. With Gild, you get more than a bakery insurance policy. You get a partner who understands food businesses and provides tools to keep you steady through the unexpected.
Frequently Asked Questions
Your bakery business should consider a comprehensive insurance package that includes:
- General Liability Insurance – Covers injuries to customers and property damage.
- Product Liability Insurance – Protects against claims from foodborne illness or allergic reactions.
- Commercial Property Insurance – Covers your ovens, mixers, display cases, and fixtures.
- Business Owners Policy (BOP) – Bundles general liability and property insurance, often including business interruption.
- Workers’ Compensation Insurance – Required in most states if you have employees.
- Commercial Auto Insurance – Needed if you deliver baked goods or use business vehicles.
- Cyber Liability Insurance – Covers breaches of customer data or online payment issues.
Gild helps you bundle all the coverage your bakery needs into one smart, cost-effective plan—no overlap, no gaps.
Is workers’ compensation required for bakeries?
Yes! If you have staff, workers’ comp is required in most states:
- Covers injuries like burns, cuts, or repetitive strain from baking equipment and long hours.
- Ensures compliance with state laws and helps prevent costly lawsuits.
- Premiums depend on your number of employees and payroll.
Gild helps you meet legal requirements and underwrite the right workers’ comp so your team—and your business—stays protected.
Do bakeries need product liability insurance?
Absolutely! Product liability is essential for bakeries:
- Covers legal and medical expenses if a customer gets sick from your food.
- Protects against allergic reactions, contamination, and foodborne illnesses.
- Often required by landlords, lenders, or licensing boards.
How much does bakery insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Get The Best Insurance For Your Business!
Get Covered
