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Bakery Insurance

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

smei has an experienced team who can offer help and specialist knowledge on the type and level of insurance bakeries like Fullers Bakery in Goole, East Yorkshire (pictured above) typically need. With over 300 bakers already on cover, you can be assured you are in safe hands**.

With access to quotations from a selection of UK insurers, we aim to offer cover that is competitive and meets your individual needs. And when you are likely to need us, should the unfortunate happen, we have an in-house claims team that will deal with your queries.

If you find your requirements are more unique and fall outside the usual areas that insurers typically offer cover for, then we can often still provide a quotation. These include:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

Some of the benefits of our insurance solution for bakers include:

  • Experienced staff who understands the typical needs of businesses like yours.
  • Quotations from a panel of UK insurers, ensuring you get the right cover for your business at the right price.
  • Instant cover available in most cases so you are protected immediately.
  • No proposal forms to complete, saving you valuable time.
  • Payment by debit / credit card or via monthly instalments on direct debit ***, so you can spread the cost of payments throughout the year.
  • Tailored cover – to suit your individual needs.
  • Range of insurers – household names or specialist insurers depending upon your requirements.
  • “Non-standard” risks accommodated.
You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

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

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 £194.00

In the past 12 months our customers have paid as little as £194.00***** per annum for bakery insurance.

63%****** of our bakery customers paid less than £1000 per annum in the past 12 months.

Why Insurance is Important for Bakeries

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
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Data correct as of January 2017.

*** When arranging credit facilities, SME Insurance Services Ltd are acting as a broker and not a lender.

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

***** Premium stated is the lowest price paid in 2016. Data compared from 446 policies sold between January 2016 and January 2017.

****** Based on 446 policies sold between January 2016 and January 2017, 280 customers paid less than £1000.


We are open Monday to Friday, 8am until 6pm.


Yes smei 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. Registered in England and Wales number 083722


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.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Fullers Bakery in Goole, East Yorkshire is one of our high street heroes. Visit their website here for more details about all of their shops: www.fullersbakery.co.uk

You Could Save Over 15% With Us*

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Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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Customer Testimonials
Fullers Bakery has used smei for the last 3 years for business premises insurance. The changeover from our previous insurers was seamless and efficient with queries and special requirements all handled very professionally.

George Fuller, Fullers Bakery

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