Business Insurance For Bakeries

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Business Insurance for a Bakery*

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?

Many Bakery owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Bakery business owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Business Insurance For Bakeries ANSWERED:*

  • 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.

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 VeroZurich 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 contact us online for suitable and affordable insurance cover for your baking business activities.

The Situation Address must be the address of either the physical risk being covered (like a property) or, in the case of Liability policies, the physical address for the normal place (or places) of business.

If you have multiple business locations, e.g., a number of branches, shops, factories or depots, then ALL location addresses must be shown on the schedule and advised to the insurers. And the multiple location addresses then needs to be kept up to date with the insurers at all times, in the event of any changes.

Insurers will not accept a Post Office box as a “normal place of business”, because you cannot do business from a PO Box.

A PO Box is fine for a mailing address, but cannot be used as the address of the “Situation” on any policy.

For example, Public Liability policies usually operate “at and from” an address, which should be the normal place of business for a business policy.

If the business was run from home, for example, then the home address would be shown as the normal place of business. The “at and from” nature of the cover would then cover any transitory business conducted away from the home address (or away from a real business address, as the case may be).

If the business was run from home but was selling through stands or kiosks at markets or shopping centres then that would have to be disclosed to the insurer, as it affects the risk.

Want guidance on Insurance coverage for your Bakery?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were experiencing DOUBT or CONFUSION about their business insurance coverage NOW OPERATING with CALMNESS.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.