Compare bakery insurance
- Tailored bakery insurance from 82p a day*
- Protect against claims from customers and employees
- Compare quotes from 7+ trusted UK insurers
Submitting your information...
This usually takes a few seconds
Thanks for Your Submission
We will be in touch.
We've sent you a text
Enter the 6-digit code we just texted to your mobile number.
Didn't receive a code? Check your SMS messages.
Something went wrong
Please try again in a moment.
We'll get quotes from our panel of trusted leading UK insurers
What type of insurance do bakeries need?
Your bakery package can be tailored to cover the specific risks you face. Here are the core cover types:
Employers' liability
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Legal requirementPublic liability
In case you injure someone or damage something while providing your services. Covers legal costs and compensation.
Product liability
If a product you sell, like food or beverages, harms a customer, this insurance covers legal and compensation costs.
20,000+
businesses compared quotes with us
7
trusted UK insurers on our panel
82p
a day for bakery cover*
How it works
Compare insurance quotes in three simple steps
Tell us about your bakery
Answer a few quick questions about your premises and revenue. Takes under 2 minutes.
We compare quotes for you
Our panel of 7+ trusted UK insurers compete for your business. No hassle on your end.
Pick the best price
Review your tailored options and choose the cover that fits your bakery.
Our customers are happy with our service
Finally, customer service done right
After endless issues elsewhere, Bionic handled everything quickly and properly. Really impressed with the speed and care.
Malek Dridi, 13 hours ago
Excellent service from George
George has been excellent — competitive rates and made the process very simple. Would highly recommend to any business owner.
Louise Woodley, 1 day ago
Customer service was fantastic
Customer service was fantastic. Got everything sorted in one call with no fuss. Great experience all round.
Dave Ward, 2 days ago
Competitive quote received
Competitive quote received quickly. The whole process was straightforward and hassle-free.
Garry Bignell, 2 days ago
Rated 4.6 / 5 based on 20,013 reviews. Showing our 4 & 5 star reviews. Trustpilot
Bakery Insurance FAQs
What insurance do bakeries need?
Most bakeries need employers' liability insurance (a legal requirement if you have staff), public liability insurance (to cover injury or damage to third parties), and product liability insurance (to cover food-related harm). Depending on your setup, you may also want buildings, contents, and business interruption cover.
How much does bakery insurance cost?
Prices can start from around 82p per day*. Your actual cost depends on factors like your location, turnover, number of employees, claims history, and the extent of cover you choose. Comparing quotes is the best way to find the right price for your bakery.
Is employers' liability insurance a legal requirement?
Yes. If your bakery has employees, you are legally required to have employers' liability insurance with a minimum cover of £5 million. You can be fined up to £2,500 for every day you are without it.
Do I need insurance for a home baking business?
Yes, we can offer cover for home baking businesses too. Home baking insurance covers the unique risks that standard home insurance doesn't, including public liability and product liability for the food you sell.
What does public liability cover for bakeries?
Public liability insurance covers you if a member of the public is injured or their property is damaged as a result of your business activities. For bakeries, this could include a customer slipping on a wet floor, or a delivery causing damage to someone's property.
Can I get insurance for multiple bakery locations?
Yes. If your bakery business has expanded to multiple locations, you can get cover that protects all of them. You can adjust your policy as your business grows to make sure all your operations are sufficiently covered.
Ready to protect your bakery?
Free, no-obligation quotes from our panel of trusted UK insurers.
Get your bakery insurance quote*This price is for a shops and salons policy – 10% of customers who were sold with one of our panel providers paid £300.23 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £25.02 a month or £0.82 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.