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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 insurance policy for a bakers 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 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 £235.00

In the past 12 months our customers have paid as little as £235.00*** per annum for bakery insurance.


Almost 65%**** of our bakery customers paid less than £700 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 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

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

*** Data compared from 345 policies sold between November 2017 and November 2018.

**** Based on 345 policies sold between November 2017 and November 2018, 223 customers paid less than £700.

WHAT ARE YOUR OFFICE OPENING HOURS?

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

IS SMEI FCA REGISTERED?

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

WHY SHOULD I USE A BROKER?

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.

WHAT BAKERY IS FEATURED ON THIS PAGE?

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

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

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£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

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£

If you are a tenant you will be responsible for any improvements you have made.

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£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

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Mon-Fri: 8am - 6pm

Feefo Reviews
90%

of our customers would recommend our service based on Feefo

Provided by Feefo
Customer Testimonials
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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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