Cake makers & decorators insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • Pick and choose from a range of cover options to build your own policy.
  • We can cover you if you work at home, from your shop, and at events and fairs.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

Protect your passion

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.

Get a quote
or call us on 0345 605 9168

Your cover options

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 and product liability

    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).

  • Employers' liability

    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.

  • Contents cover

    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.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • Stock cover

    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.

  • Buildings cover

    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.

  • Equipment breakdown cover

    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.

  • Home emergency

    Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4 hour response time. Extreme weather and remote locations may extend the response time.

    Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

    You're also covered for overnight accommodation, up to £300 inc. VAT, if you can't stay in your home due to the insured incident. This isn't available if your home is a B&B, guest-house or hotel.

    There's no excess to pay and no limit on how often you can claim.

    You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

    Home emergency isn't currently available on policies that include commercial premises.

    For more information click here.

  • Business interruption

    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.

  • Theft of takings

    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 following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Personal accident

    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.

  • Terrorism cover

    If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and business interruption (depending on which covers you have taken).

    This includes:

    • the rebuild of buildings damaged beyond repair
    • cover for damage or loss of your business contents, stock and computer equipment, to help you get back up and running.

    If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

    Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

    Terrorism cover is only available for properties located in England, Wales and Scotland.

    Terrorism insurance is optional, so an additional premium will apply.

    You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

Get a quote
or call us on 0345 605 9168

Policy documents

View and download our policy documents here:

Frequently asked questions

  • Q Can you cover me if i work at a pop-up?

    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.

  • Q Do I need public liability insurance if I run a cake business from home?

    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.