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Bundling Bakery Insurance: What to Know
When running a bakery, protecting the business means looking beyond just ovens and cakes. Bakery insurance can cover a wide range of risks. Many…
BakeryInsurance
Bakery Insurance
Public liability and product liability cover built for bakeries, including the allergen labelling risk every bakery selling pre-packed food now carries.
Public liability and product liability cover built for bakeries, including the allergen labelling risk every bakery selling pre-packed food now carries.
Oven breakdownAllergen claimsCustomer injury
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Speak to a specialist 0330 027 0996
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What is bakery insurance?
Bakery insurance is a combination of covers built around baking and selling food, public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
Since Natasha’s Law came into force in October 2021, any bakery selling food packaged on-site before it’s ordered has to label it with a full ingredients list and the 14 major allergens. Getting that wrong is exactly the kind of claim product liability is there for.
Bakery insurance can include:
Public liabilityEmployers’ liabilityProduct liabilityBusiness contents & stockWholesale supply coverBusiness van insurance (separate policy)
Cover often bought alongside bakery insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Business Interruption
Helps with lost income if an oven fault or fire stops you trading.
Business Contents
Protects ovens, mixers and stock kept at your premises.
Tools & Equipment
Covers smaller equipment against theft.
What counts as PPDS food under Natasha’s Law?
What counts as PPDS food under Natasha’s Law?
Since October 2021, any food packaged on your premises before a customer orders it needs full allergen labelling.
Since October 2021, any food packaged on your premises before a customer orders it needs full allergen labelling.
| Situation | Needs full allergen labelling | Needs allergen info, but not full labelling |
|---|---|---|
A sandwich made and wrapped before it’s ordered | Yes, this is PPDS food | Must show full ingredients and the 14 allergens |
A cake decorated and boxed ready on the shelf | Yes, this is PPDS food | Must show full ingredients and the 14 allergens |
A loaf of bread baked and bagged in advance | Yes, this is PPDS food | Must show full ingredients and the 14 allergens |
A pastry made to order and bagged after selection | No, made to order isn’t PPDS | Still needs allergen information available some other way |
Top Tip
The rule is about whether the food is packaged before the customer chooses it, not how it’s sold. If in doubt, treat it as PPDS, getting allergen labelling wrong is a product liability claim waiting to happen.
How much does bakery insurance cost?
There’s no fixed price. It depends on whether you sell pre-packed food, your equipment, staff numbers and claims history.
Pre-packed vs made-to-order
PPDS food carries more labelling risk than food made fresh to order.
Wholesale supply
Supplying cafés or shops as well as retail adds product liability risk.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding a higher public liability limit increases your premium.
Ovens and equipment
Commercial ovens and mixers affect your contents premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get bakery insurance
How to get bakery insurance
Getting bakery insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting bakery insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you bake, sell and whether you supply other businesses.
2
Choose your covers
Public liability, product liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Bakery insurance guides
Bakery insurance guides
Practical advice on cover, allergens and staying protected.
Practical advice on cover, allergens and staying protected.
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Bakery insurance FAQs
Bakery insurance FAQs
Straight answers on cover, allergen labelling and cost.
Straight answers on cover, allergen labelling and cost.
Bakery insurance is a combination of covers built around baking and selling food: public liability for injury or damage, product liability for what you sell, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.