Home bakery insurance
Join nearly 1 million customers (including over 4,500 home bakers like you) – we offer public liability cover from £4.74*
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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 home bakery insurance?
They say most businesses start at the kitchen table, and yours is the proof in the pudding. Love, care and attention to detail put you a cut above, but even experienced bakers can have a slip-up or two. Home baking insurance takes care of the risks you face, letting you focus on your next show stopper.
- home baking insurance that’s UK-specific
- cover for what you need like your products, stock and equipment
- peace of mind, knowing your hard work is covered if a crisis hits
What does home bakery insurance cover?
We’ll start with public liability insurance for home bakers, covering you against accidents in your kitchen or claims against your product – for example, if someone chips a tooth on a cake decoration you’ve used. From there, you can add bakers’ insurance for stock and equipment, plus employers’ liability cover if you’ve hired any help.
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Public liability insurance
In case your baking business and products cause injuries or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your home baking business.
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Tools insurance
In case something happens to your baking kit.
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Stock insurance
In case something happens to your ingredients or materials.
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Business and office equipment insurance
In case something happens to the equipment you use to run your business.
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Legal expenses insurance
In case you have to pay legal costs while running your home baking business.
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Personal accident insurance
In case you or anyone you’ve covered has an accident – at work, or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does home bakery 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 home baker quotes, real prices
£26.09 /month
£260.90 /year
A self-employed part-time baker who creates cakes for small occasions
- Less than 1 years’ experience
- Sole trader
- No employees
- Based in Milton Keynes
Public liability
£2,000,000
Employers’ liability
Not included
Tools
Not included
£30.91 /month
£309.13 /year
A small family-run home baker business, providing baked goods for all occasions (weddings, birthdays, small conferences, etc)
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Southampton
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
Not included
How we work out example quotes: These examples are real quotes from our online system (created 30/09/2024). 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.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
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Get your documents the same day
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How do I choose insurance for home bakeries?
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.
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Can I just cover my most expensive tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my equipment?
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Does home bakery insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
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
Call our team
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 home bakery insurance claim
Having home baking insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.
Pat saved more than £3,600.00
A fire in Pat’s (not her real name) recycling bin at the back of her property caused extensive damage to her kitchen’s double doors, roof and guttering. Her stock was also damaged by the emergency services team when putting the fire out.
Insurance payout
£3,638.93
Covering the cost of fire and water damage
Insurance payout
Covering the cost of fire and water damage
Covering the cost of fire and water damage
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.
Home bakery insurance FAQs
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 home bakers insurance. You can also check out our business insurance FAQs.
Even if it’s a side hustle and you’re only taking a few orders here and there, your home baking business carries risks – to you and your customers, as well as suppliers and employees, if you have any, and anyone visiting you at home.
Public liability insurance for home bakers, as well as product liability, can cover you if someone makes a claim against you for injury or damage. For example, someone falls ill after eating a pastry you’ve sold, and holds you responsible.
You can also add stock and tools insurance, for your essential kit and supplies, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you.
Insurance is a priority for most food and drink or catering companies, and home bakers are no exception to the risks faced in this sector.
If you’re selling to the public, product and public liability insurance for home bakers can cover you for all sorts of accidents and injuries. Do you sell pastries to local businesses, for example, for meetings and away days? If a customer became ill after eating your product – even worse, their whole team – you could face a damaging compensation claim.
Having this cover in place lets you get on with managing orders and doing what you do best – creating amazing bakes – not worrying over the what-ifs.
We’ve put a bit more detail in the first two FAQs, but just like a home bakes business, home-based cake decorators may find insurance handy. It can cover you for risks like a product causing injury, or something happening to your stock and equipment.
Remember, if you employ anyone, even from home, employers’ liability insurance is usually a legal requirement.
It depends on what type of insurance you’re considering and whether you’re a home baking business, running a bakery from a shop, and whether you have any employees.
If you have employees, you’ll be legally required to take out employer’s liability insurance under the Employer’s Act. Other than this, you’re not legally required to take out insurance, but other types can be handy.
Public liability insurance will cover you if someone gets sick from a cake you made, for instance. Contents insurance will protect your contents and stock, and insure specialist equipment against any damage.
If you’re running a bakery from a shop, you’ll need to take out a bakery policy rather than home bakery insurance, and then choose buildings insurance too.
We’ve put a bit more detail in the first two FAQs, but just like a home bakes business, home-based cake decorators may find insurance handy. It can cover you for risks like a product causing injury, or something happening to your stock and equipment.
Remember, if you employ anyone, even from home, employers’ liability insurance is usually a legal requirement.
Employer’s liability insurance is a legal requirement if you have any staff, even if they’re just part-time, apprentices or contractors, and work out of your home. This is unless they’re a family member.
It will cover the legal costs and compensations if an employee is injured while working for you. This isn’t a legal requirement for family members working for you, though.
Goods in transit is an add-on cover that you can buy with your contents insurance. You’ll need to ensure you add both these options to your insurance if you want to cover stock while delivering a cake you’ve made.
If you run a cake shop or stall, we can still protect your workspace, equipment and stock even if you rent the property you operate from.
Public liability insurance covers you for third-party injury or any damage caused by your creations at many types of events.
We can currently offer public liability cover for cake makers and decorators at markets and fairs, but not pop ups. We’re always developing our policies and hope to offer this cover in the future.
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.
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
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