Home Baker Insurance from smei

Home baking has become increasingly popular in recent years, with more people deciding to turn their hobby into a business venture.
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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 bakers insurance features can include**
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  • 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 20% With Us*
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Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Why Public Liability Insurance For Home Baking Businesses is so Important

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’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.

If you're ready to move from home baking to setting up your own bakery, check out our bakery insurance page.


Terms and Conditions
* Click here to view our pricing disclaimer.

** Optional cover may differ dependent upon insurer.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business.

FAQs See all FAQs
DO I NEED PUBLIC LIABILITY INSURANCE TO SELL CAKE?

As a business providing food to the public, you’ll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn’t a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims.

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 4564 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

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

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

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Customer Testimonials
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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.

Mrs Susan & Mr Ronald Firth

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