Whip up a policy without spending too much dough.
Bakery insurance provided by Insurance Incorporated.
Whether you have a small retail location or you mass-produce large quantities of baked goods, you’ll need the right insurance coverage in the event of a loss. Our agents will provide you with several quotes from leading insurance companies to assure you receive the most competitive rates and quality coverages available.
Quality insurance for quality bakeries.
When it comes to bakery insurance, it’s essential you look at not only what it costs, but what is covered under the policy. Does your current insurance provide for loss of business income you could suffer due to a claim that closes your doors for an extended period? Do you have enough insurance to cover the full replacement cost of your ovens and costly equipment after a devastating fire? You may need to speak to one of our licensed bakery insurance agents for details on a policy custom to your needs.
Bakeries require a unique set of protective policies.
Every bakery large or small should have general liability that can provide coverage for bodily injury or property damage your business, property, or employees could cause to a customer. If your products are contaminated, and a customer gets sick as a result, you could be sued for damages, including medical bills and loss of income.
Blend solutions for the equipment that keeps you running.
Most bakeries use high-end ovens, mixers, and refrigerators to create their delicious products. This equipment can cost hundreds of thousands of dollars to replace in the event of fire or theft. Make sure your tools and equipment are covered with business personal property insurance for the entire amount it costs to replace them.
It is also important bakeries have equipment breakdown insurance, which can provide help with the cost to repair or replace equipment such as ovens or computers that are damaged from a power surge or mechanical failure. Equipment breakdown can even provide for the lost income you’ve incurred as a result of the damage.
Drizzle protection over your establishment.
Bakeries that own their building need to consider building coverage, not only the cost to rebuild but also the cost of any upgrades and alterations made to the structure. Alterations may include additional walls for an office space or a built-in range oven. Bakeries that lease their location need this coverage for upgrades they’ve made to their unit.
Sweeten up on the solutions that protect your dedicated team.
Bakery employees have a high exposure of burns, slip and falls, back injuries, and even accidental dismemberment from rotating blades or moving parts on machinery. It’s important you have workers’ compensation insurance to provide coverage for medical bills, lost wages, and even rehabilitation.
Score points with deliveries; protect your vehicle.
Many bakeries deliver the product to various retail locations for distribution, while others will use vehicles for traveling to farmers’ markets, business meetings, sales events, etc. It’s imperative any vehicles used for business, whether commercial or personal, be insured under a commercial auto policy. Commercial auto insurance can be custom-tailored to meet the exposures your bakery may have.
Additional options are available for your business.
In the food industry, many risks can arise. There are additional resources for protecting your bakery business. Some of these insurance options include:
- Employee Dishonesty
- Inland Marine
- Employment Practices Liability
Protecting your biggest investment is beyond measure.
The cost of bakery insurance depends on many factors that include gross annual sales, location square footage, amount of employees, amount of payroll, coverage needed to rebuild your structure or replace your business property, and many more. It’s important you discuss in detail how your bakery operates with an agent who can help you understand coverage options you’ll need in the event you suffer a loss.
You face risks daily. Don’t subject your business to financial loss any longer. Contact our agency to learn more about your bakery insurance options.
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