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Home Baker Insurance

As anyone setting up their own home bakery business knows, there’s a lot more to it than simply making cakes. And the business side of things can get confusing. As a home bakery business like Polka Pops in Preston, Lancashire (pictured above), it’s important to have the right insurance in place to protect you should anything go wrong. But working out exactly what you need can be a difficult and time consuming process that takes you away from what you want to be doing –baking!

smei can take the hard work out of insurance by searching for the right cover for you, at the right price.

Typical Features can Include

  • Public and product liability.

  • Business interruption.

  • Human infectious diseases.

  • Alternative accommodation.

  • Employers liability.

  • All risks.

  • Goods In transit.

  • Computer equipment.

  • Work away.

  • Legal cover.

  • Business buildings.

  • Business contents.

  • Fidelity guarantee.

  • Malicious attack/personal accident.

  • All standard perils.

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

Why Insurance is so Important for Home Bakers

As with any food production business, home bakeries have their risks. You will be working with potentially dangerous equipment, and as you’re preparing food for the public you’re responsible for ensuring it is safe to eat. You should be adhering to health and safety measures, but things can still go wrong and insurance will protect you should that happen. For example, if someone was to have an allergic reaction to something in your food then as long as it was labelled properly your insurance would cover you against any claim for compensation.

 

About the Home Baking Industry

Whilst bakeries have been popular for centuries, there has been a huge rise in people who bake at home. There was a 20% surge in the number of people running bakery businesses in 2017 alone [1].

There’s so much to think about when running a small business, and when you’re working on your own it can be easy to miss some things. And insurance is vital for protecting your business and livelihood should anything go wrong. But help is at hand – discussing your insurance with smei means we can help you find an insurance package that is right for you, making sure that you’re fully insured, and at the right price. We aim to provide you with peace of mind and more time for you to spend on the rest of your home baking business.

 

[1] https://startups.co.uk/uk-bakery-businesses-rises-20-percent/

 


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.

** Optional cover may differ dependent upon insurer. 

*** Data compared from 284 policies sold between January 2016 and January 2017.

**** Based on 284 policies sold between January 2016 and January 2017, 170 customers paid less than £500.

I HAVE PREVIOUSLY CLAIMED, CAN YOU STILL COVER ME?

Having a previous clam doesn’t necessarily mean you can’t be covered. New policies are done on a case-by-case basis, therefore please call us on 0330 134 4600 to discuss your circumstances.

DO ALL POLICIES INCLUDE LEGAL EXPENSES COVER?

No, some policies may have a specific extension to include this cover, but not all policies do. We may be able to provide a separate policy for this cover. When you contact us please let us know if you would like it included in your quotation.

HOW SOON BEFORE MY RENEWAL DATE CAN YOU GIVE ME A QUOTE?

As quotes are only valid for a certain period of time, it is best to apply for a quote up to 30 days before your policy anniversary date.

WHICH HOME BAKER 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. Polka Pops in Preston, Lancashire is one of our high street heroes. View their website: www.polkapops.co.uk

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Related Articles

How do you build a cake baking business that counts royals amongst its customers in just five years?

We spoke to Amy Gilmore, owner of Amy Polka Pops in Ribchester, Lancashire to find out.

Posted 11/12/2018
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We have saved £££s by switching our insurance to smei. Really easy to approach and always willing to answer queries without making you feel as though you are bothering them. We have been recommending smei to all my business colleagues.

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