Bakery Insurance from smei

Bakery Insurance

We arrange a variety of insurance products designed to meet the needs of bakers.

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Bakery Insurance

Whether you’re a home baker or own your own bakery, our specialist insurance helps you keep your business running.

Why Does My Bakery Need Insurance?

Bakery insurance financially protects your business in the event of an accident like a fire or intentional malicious damage. It also protects your equipment, stock, customers, and staff members too. In a nutshell, bakery insurance is an essential part of running your business.

What Does Bakery Insurance Cover?

Every bakers insurance policy includes public liability, buildings & contents, employers liability, and product liability cover. This cover protects you against common (and uncommon) accidents as well as malicious damage.

You Could Save Over 20% With Us*

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £207.88

In the past 12 months our customers have paid as little as £207.88 per annum for bakery insurance.

50% of our bakery customers paid less than £578 per annum.***

Why Bakers Insurance is Important

Bakeries, much like any other food production businesses, can prove to be high risk environments to work in. Your staff will often need to use expensive pieces of equipment in order to produce all of those baked delights for customers to enjoy. You are also creating food items which are to be sold to the general public, which in itself is another risk area for your business. To help safeguard your business, you will have to adhere to certain health and safety measures however in certain circumstances you will also need to have employers liability cover to protect you by law.

These are just a couple of reasons why it is important for bakeries, whether a small independent outlet or a larger named chain to consider the level of insurance cover that they have in place. In order to be protected correctly, you should talk to an expert about the more specialist policies that you can arrange for your business. These can include cover for your equipment and of course, the products that you sell.  

About the Baking Industry

Bakeries have been popular for hundreds of years, whether it is to buy some freshly baked bread, grab a sandwich, hot savouries for lunch or to treat yourself to a fresh cream cake.

The trade itself can take years to master and a bakery can take time and dedication to run. However, if you ask a baker what keeps them going, they are likely to say that it is simply because they love what they do.

When you run any small business, you will have plenty to think about. However, no matter how busy you are, it is important to think about insurance and how best to protect the livelihood that you have worked so hard to create. But don’t forget help is at hand – by working with an insurance broker, they can help ease the pressure on you by helping you find the right insurance for your needs, and hopefully saving you precious time too.


Terms and Conditions

* Click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 236 policies sold in 2020.


We are open Monday to Friday, 9am until 5pm.


Yes SME Insurance Services is a trading name of Jelf Insurance Brokers Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA (for details see Registered in England and Wales number 0837227. Registered Office: 1 Tower Place West, London EC3R 5BU. Jelf Insurance Brokers Ltd is a wholly owned subsidiary of Marsh Ltd.


Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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