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Even if you view your cake business as a hobby, if you sell to the public, it’s important to have insurance.
If the wedding cake you’ve made gets damaged in transit or a customer becomes ill after eating one of your creations, you could face some very unhappy clients and a compensation claim. Plus, if a vital piece of equipment breaks, you’ll have to contend with some unexpected costs.
Having business insurance in place can help you fix problems quickly and safeguard your finances. Plus, we let you choose exactly what type of cover goes into your policy, so whether you work alone in your kitchen or run a cake shop with employees, you’re covered if you get into a sticky situation.
You can include any of the following cover types in your cake maker and decorator insurance policy. These covers are subject to policy conditions and limits.
Public liability covers you if a member of the public is injured at your premises or you cause damage to their property. For example, if a customer slips on a wet floor in your shop or if a member of the public trips over a crate left next to your stall, public liability will cover the resulting compensation or legal costs.
Product liability covers you if anyone becomes ill after eating one of your cakes and makes a claim against you.
Public and product liability cover comes as standard with our cake maker insurance. We can offer cover from £1 million to £10 million (subject to criteria).
In most cases, employers' liability insurance is a legal requirement if you have employees. This also includes temporary employees hired to help you with a particular event.
Employers' liability insurance covers the costs you have to pay if an employee gets injured or becomes ill because of the work they do for you and then decides to take legal action against your business. We will cover you for £10 million, as standard.
Insure your specialist equipment, like food mixers and rollers, with our contents cover. You can choose to insure items stored at home and items taken away from your premises. For example, any cake stands or tables you might take to an event.
If your equipment is stolen or damaged by an insured event, e.g. a fire or flood, we’ll cover the cost of replacing it.
You can also insure the essential electrical items needed to run your business, like your work laptop, smartphone or even a till.
If you're making a cake for a big event, like a birthday party or a wedding, and the produce in your fridge is ruined following a power cut, you'll need to get new ingredients quickly to avoid disappointing your clients. With our stock insurance, we can cover the cost of replacing your ingredients, so you can whip up something new.
As well as your ingredients, we can also cover your finished products, both at home and when they're taken away from your premises. For example, if a wedding cake is being delivered to your customer via a third party delivery service, and it gets damaged in transit, your customer is likely to expect a heavy discount. We can cover the cost of the cake, so you don't lose out.
We offer an extra 25% of cover for 15 days before and after every bank holiday, and for two months of your choice, as standard. This is especially useful if you know you have a particularly busy period, like Christmas.
If you own the building you work from, you can insure it on your business policy, so all your cover is in one place. If there is an insured event such as a flood or fire at your premises, buildings insurance will cover the costs of repairing the damage. It can help pay for clearing debris and architect's fees.
You can also insure your glass shop front, and if you rent a space, you can insure the fixtures and fittings you’ve installed, such as a cake display or oven.
When you insure your contents or stock, you'll get equipment breakdown cover as standard. This means you can insure the essential machinery needed to run your business, like cookers and mixers. If they break down, we can cover the cost of repairing or replacing them, as long as the damage is not due to wear and tear.
Similarly, if you choose to insure your premises, we'll automatically cover the items that form part of the building, such as your boiler or fire alarm. The breakdown must not be due to wear and tear.
If your working premises, equipment or stock becomes unusable due to an insured event, like a fire, flood, theft or accidental damage, business interruption will cover the extra costs of setting up your business somewhere else, and the loss of turnover due to not being able to work.
For example, we’ll cover you if an event you are catering for is cancelled due to an insured event, like a fire at the premises. We can also cover you if you accidentally damage an essential piece of equipment, like your cake mixer, and can’t whip up any new creations for your customers.
Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.
If you sell at fairs, markets or in your shop, you're likely to handle cash. Theft of takings will cover you in case of theft. This includes business takings stolen from anyone working for you. We'll cover you for up to £1,000 when you trade at markets and fairs.
If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.
But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:
Read more on Cyber cover here.
Available on new and renewal policies only. For Retail and Office & Professional customers only.
This cover pays the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers, clients or contractors.
Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.
We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.
If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.
You can choose Personal Accident as an add-on once you've completed your quote.
At the moment, we don’t cover cake makers and decorators who work at pop-ups, but we can cover you if you work at markets and fairs.
We are constantly reviewing and developing our policies; if we can’t cover you now, we hope to be able to in the future.
Even if you run your business from home, public liability insurance is still important. If a customer or delivery person visits your home to collect a cake and trips over a loose wire in your hallway, resulting in an injury, they could make a claim against you. The same could happen if you visit a customer’s home and accidentally damage their property.
Even if you don’t interact with the public on a daily basis, accidents can still happen, and these mishaps won’t be covered by your home insurance policy.
We offer public and product liability as a single cover option. This means you’re also covered if the cakes you sell make a customer ill.
