Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

Bakery insurance

Which bakers and bakery makes the best pies?

It's a question asked by hungry people all over Australia around lunch time …and a question hotly debated by bakery owners.

If customers prefer your pies you'll have a thriving bakery business.

While we can't help you bake the best pies, sausage rolls, bread or cream buns in your neighbourhood or town if you are a self-employed baker or operate a bakery we may be able help you make a smart choice regarding finding suitable business insurance.

Just like your business specialises in baking delicious breads, cakes and pastries, we specialise in helping small businesses such as bakeries by sourcing multiple competitive quotes for you that cover your bakery business risks.

So, what are the insurable risks for bakeries?

Insurance for bakers and bakeries

  • Public Liability– eg:slips, trips and falls
  • Product Liability– eg: food poisoning.
  • Fire & Perils – eg: if your bakery was originally used for a different purpose, poor wiring, or layout may present fire and other risks.
  • Crime – eg: cash, money and alcohol
  • Commercial Property – eg: damage to commercial building
  • Business Interruption– eg: profit associated with your business in the event you are forced to close for an extended period.

Suitable business insurance for bakeries and bakers

A trip to the bakery is a special treat for some people – especially kids eyeing off a vanilla slice or chocolate éclair. For others, such as tradies grabbing a pie and coke at lunch it's part of a ritual, while for some customers – perhaps mum or dad grabbing the daily bread – it can be a bit of a chore.

Similarly, while some bakers and sole proprietor bakery owners view their business insurance as a key part of their asset protection strategy other see insurance as a "necessary evil" - but they know it can be invaluable when they need to claim.

Whether your enthusiastic or otherwise about insurance cover for your baking business activities , our business insurance brokers can help you find suitable cost effective insurance.

Depending on whether you are a sole trader or have employees, the size and fit out of your bakery, certain insurance companies may offer better terms.

For many home bakers or retail bakeries our brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as Vero, Zurich and AIG. For large commercial bakeries we can obtain suitable terms from specialist underwriters.

TALK to a SMART Insurance broker on 1300 542 573 or email us at for suitable and affordable insurance cover for your baking business activities.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST