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Bakers and Bakeries Insurance

We can offer tailored bakery and bakers commercial package cover designed to protect you and your bakery, be it large or small.

  • You’ll need to cover your ovens and stock for loss or damage, as well as any consequent business interruption that arises.
  • Flexible policies to include public, products and employers’ liability, as well as property damage and delivery.
  • Access your quotes, policies and renewals in your online account
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Why choose bakers and bakeries insurance with Towergate?


Flexible stock cover

25% seasonal increase in stock cover over busy periods and celebrations at Christmas and Easter.

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Legal Expense insurance for bakeries

Free legal cover up to £100,000 is a benefit of most bakery package policies.


Dedicated bakeries claims service

Experts claim handlers to give you peace of mind.

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Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About bakers and bakeries insurance


Bakery stock contents cover

As part of your bakers and bakeries insurance, we can provide stock and contents insurance for your bakery products – bread, cakes, pasties, pies and more. Flexible sums insured tailored for you. We can also include goods in transit cover if you make deliveries.


Bakery product liability cover

We can include product liability insurance for food produced and sold by your bakery, covering you for allegations of food poisoning by customers. The potential risks of allergic reactions suffered by customers arising from your bakery's products, will also be protected, provided you have followed the necessary food and hygiene regulations.


Business interruption cover for your bakery

Business interruption cover is included in our bakers and bakery insurance policies. Fire and flood cover will help you pay continuing overheads during the recovery period immediately after an insured damage to your bakery. Depending on the policy arranged this could be up to 24 months in the most serious of claims.


Public and employers liability for bakeries

Our employers liability cover comes as standard cover and protects your legal responsibilities if you employ staff. Our public liability insurance provides you with protection for injury to customers should they allege injury while on your premises.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Bakers and bakery insurance FAQs

Yes, as long as you follow the appropriate food and hygiene regulations taking appropriate precautions ensuring allergy information is assessed and made clear. (For example, if a product contains nuts, it must be stated on the product packaging when sold or supplied).

Yes, this is covered under the products liability section of your bakers and bakery insurance policy. Cover clicks in from the point that an allegation is made against you or your business, including legal defence costs. In the event that you are found to be at fault the policy will pay the compensation awards.

Not normally, as our package policies will provide cover for all staff employed during the policy year. A variety of policies are available. For SME Bakers employers liability insurance can be provided on a blanket basis for all employees without premium adjustment.

For larger businesses with many employees, employers’ liability cover can be arranged on an adjustable premium basis, All staff are covered and there’s no need to tell us of leavers and joiners. Having paid a deposit premium at the start of the policy, the premium is adjusted at the end, based on a declaration of actual wages paid during the policy period.

Yes, our bakers and bakery insurance can cover multiple premises.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

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Baker and bakery insurance articles and guides

How to Insure Your Shop’s Stock

Our guide to everything you should consider when calculating the necessary insurance for your business' stock.

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

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Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

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