Bakery Insurance

Bakery Insurance

SME Insurance

Bakery Insurance

Many food production businesses such as bakeries are high risk work environments.

Staff need to use expensive equipment to produce your baked goods, and you are creating food which will be consumed by the general public; both risks for your business. In order to safeguard your business, alongside adhering to health and safety measures, it can be incredibly useful to have specialist liability insurance cover to protect you.

Whether you are a small independent bakery, or a larger chain, it is vital you consider the level of business insurance you have in place. To be protected, speak to us here at Erskine Murray about the best bakery insurance policies to suit your business, including cover for your equipment as well as the products you sell.

Insurance for Bakeries

There are lots of factors involved with running a successful bakery shop, from keeping customers happy through to keeping your stock and your premises safe. We can help you to find the ideal insurance policy for your bakery to protect you, your premises and your customers, as well as your specialist equipment and machinery you use day to day!

Popular insurance policies for bakery owners includes public liability insurance, protecting you if somebody is injured or their property is damaged because of your business. If you employ staff, be they full time employees, contractors or casual staff, you will be required to take out employers’ liability insurance. This covers claims from employees who have been injured through your negligence whilst working for you. A key part of bakery insurance policies is to cover any specialised tools, equipment or machinery which is used for your work. As your business relies on your tools and equipment, the right insurance policies can be worth their weight in gold.

What Bakery Insurance Do You Need?

There are lots of different insurance policies written specifically for people who are in the restaurant and shop trades when you work with an experienced insurance broker such as Erskine Murray. We can help you find the perfect bakery insurance which could include:

  • Property Insurance: business insurance to protect the physical building you work in
  • Product liability insurance: Covering a wide range of liabilities such as an outbreak of food poisoning
  • Employers’ Liability: protection for your staff and your business should an injury for which you are deemed responsible for, happen to them at work. As a bakery is a high risk and fast paced environment, this is an important part of your business insurance!
  • Equipment Insurance: protection for the tools you use to create your baked goods, keeping you safe from breakdown, theft or property damage.
  • Van insurance: whether you are picking up fresh ingredients or delivering your orders, it is essential that your transport stays running! We can also help you find the right Goods in Transit insurance to keep your stock safe from theft or accidental damage.
  • Business Interruption insurance: should your bakery be forced to close due to an insured peril, this cover helps you to replace the lost income and help you get back on your feet again.

Why Choose Erskine Murray?

Erskine Murray are one of the leading independent insurance brokers, offering expert advice and assistance with securing the best business insurance quotes and deals for your specific industry. We have access to many of the best UK and overseas insurers, with niche providers offering us useful products for our clients.

When you are looking for the ideal bakery insurance, contact our business insurance team to obtain quotes and terms which meet your requirements.

Why should I purchase special insurance for my bakery?

Any trade within the food and beverage industry is likely to be a high risk enterprise, with special equipment, and staff required to run a successful business. With the added risk of serving food to the general public, there are many areas where your business will need insurance to protect you and your finances as you run your bakery business.

What insurer options do you have your bakery insurance?

Here at Erskine Murray we have a cutting-edge trading platform allowing us to compare bakery insurance, through a few quick questions, in minutes. We can combine our in-house experience with a fast efficient service, as well as a price benchmarked against multiple markets. Once we understand your bakery needs, we’ll be looking to combine level of cover and price with the most appropriate insurer market.

Who arranges my bakery insurance?

Whenever you take out a policy with us, you will be appointed your own dedicated Client Manager who will look after all of your insurance questions and queries whatever it may be. When it comes to your renewal they will contact you in good time, at least six weeks out, and follow up with a phone call to discuss your options. With a renewal rate of over 90%, we are confident, like many of our clients, you will be very satisfied by not only our bakery insurance offering, but also the level of service displayed by our Client Managers.

How do I speak to you about bakery insurance?

Our team are easy to reach through our telephone on 0116 265 1038 or email [email protected]

SME Insurance by Sector


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Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.