Product recalls are not specifically covered under this policy. It’s important to have clear traceability and safety checks in place for your baking ingredients to reduce risks.
This would fall under Public Liability cover. If, for example, you accidentally damage a client’s property while setting up a cake, the policy can cover associated costs or claims up to £5 million.
Yes – you’re covered if using a registered commercial kitchen, as long as this kitchen is one of up to two premises specified in your policy and includes your correspondence address. You’ll need to disclose where your equipment and stock are stored.
Yes – specialised baking equipment is covered up to £250 as standard, and you can increase this up to £10,000 depending on your needs. Make sure to select the right level of Equipment Cover when setting up your policy.
Your Product Liability insurance covers you for claims arising from someone becoming ill after consuming your goods, up to £5 million. This includes legal costs and compensation, provided you have followed safety and hygiene standards.
No – damage to your own property, including your kitchen, is not covered under this policy. The insurance is designed to protect you against third-party claims and loss or damage to business equipment and stock.
Yes – selling online is covered under your Product Liability insurance, as long as your goods are not being exported to the USA or Canada (unless this has been pre-agreed).
If someone claims to have suffered harm due to allergens in your baked goods, Product Liability insurance can cover you for legal claims or compensation, provided you’ve taken reasonable precautions and labelled products accurately.
