Cake business insurance
Join over 900k UK customers (including cake maker) – we offer public liability cover from £4.74*
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![Cake decorator piping icing on the top of a finished cake in the kitchen](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/cake_maker_decorator.jpg?w=1024)
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need cake business insurance?
From cupcake bouquets and vegan cakes to a classic Victoria sandwich, the sky’s the limit – that’s the beauty of baking. With so much space for creativity, there’s room for accidents too, which is where cake business insurance can help out. It’s tailored cover, designed to keep your mind on the piping, not the what-ifs.
- protection from unexpected claims for accidents and injuries
- cover for what you need like your laptop, stock and employees
- peace of mind, knowing your hard work is covered if a crisis hits
What does cake business insurance cover?
We’ll start with public liability insurance for cake makers, which can cover you against accidents in the kitchen or somewhere else. You might want to add cover for your essential kit – from laptops to fridges, and specialist ingredients or stock. Employers’ liability cover is also a legal requirement if you do have any staff.
How much does cake maker insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example cake business quotes, real prices
![axa](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/axa.webp?w=66)
£11.06 /month
£90.57 /year
A part-time cake decorator who creates cakes for small occasions
- Less than 1 years’ experience
- Sole trader
- No employees
- Based in Colchester
Public liability
£1,000,000
Employers’ liability
Not included
Contents/business equipment
Not included
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/06/finsbury.webp?w=133)
£26.73 /month
£237.56 /year
A small family-run cake-making business, providing cakes for all occasions (weddings, birthdays, small conferences etc)
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Warrington
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents/business equipment
£10,000
How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your cake making insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having professional cake making insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.
Zara saved £2,500
Zara (not her real name) found a pipe leak when opening up her cake business premises for the day. Her entire dry goods stock was damaged, along with half of her frozen stock. Luckily, damage to stock by escape of water was covered by Zara’s policy.
Insurance payout
£2,500
Covering the cost of replacement stock
Insurance payout
Covering the cost of replacement stock
Covering the cost of replacement stock
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Insurance for cake makers FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about cake making insurance. You can also check out our business insurance FAQs.
Public and product liability insurance are popular covers for home-based food and drink businesses, protecting you against slip-ups in the kitchen and bakes that cause a problem, such as food poisoning or an allergic reaction. And if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
Even if you’re working from the comfort of your own kitchen, a home-based business will come with particular risks and requirements. We provide insurance for cake businesses up and down the UK, many of them operating from home.
Find out more about insuring a home baking business.
It depends on your business and the particular risks you face, but most cake makers and decorators do choose to take out public and product liability insurance. This cover can protect you if your business or products cause an injury, or damage to a person or their property. And if you’re running a home cake business, insurance will be an important part of your set-up too.
For example, a client comes to collect their cake from your shop-kitchen and slips on a wet floor, breaking their arm. In this case, your product and public liability insurance could cover a claim against you for their injury, which has been caused by your business.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions