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.

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/

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^{* 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.}

_{** 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.}