Home Bakery Liability Insurance
Specialist cover for home bakers and cake decorators from £4.43 a month.*
- Public Liability up to £5 million
- Join over 150,000 customers**
- Flexible Payment Plans – 0% APR
From £4.43* a month
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What does home baking insurance cover?
Our insurance for home bakers includes liability cover designed for individuals and small businesses creating homemade cakes and cake decorators to sell online and at events.
Public liability for home baking and equipment and stock cover is included, with the flexibility to add additional benefits such as employers’ liability. You can choose from different levels of cover, depending on the scale of your home baking business.
Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Product Liability
Equipment
Stock
Employers' Liability
Public Liability
- Up to £5 million available.
- Protection from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £5 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
Equipment
- Up to £250 covered as standard
- Increase up to £10,000 worth of cover
- If your craft tools are lost, damaged or stolen, your equipment can be covered up to the value you select.
Stock Cover
- Up to £250 covered as standard
- Increase up to £3000 worth of cover
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Employers’ Liability
- Up to £10 million available.
- Protection from claims against employee incidents, if that employee suffers a work-related injury and brings a claim against you.
- If you employ any staff members, Employers’ Liability is a legal requirement.
- Upcycling projects. This policy is intended for crafters producing or building products from scratch.
- Export of your products to the US and/or Canada, unless agreed with ourselves.
- Theft of your Equipment and/or Stock from unattended vehicles.
- Heat work away from your premises, unless when using hot air guns, soldering irons or engraving tools and only if this has been agreed by ourselves.
- Storing your equipment and/or stock at more than two different premises, one of which that needs to be your correspondence address.
For information on exclusions in your cover please refer to policy documentation.
Why do you need home baking insurance?
When customers buy your homemade cakes they will have certain expectations of the quality, no doubt you will provide your best service. However sometimes things go wrong and it is highly recommended you have specialist home baking making insurance to protect you when they do.
Typically you will need an annual policy, but for those involved in short-term or one-off events such as a stallholder at a craft fair, you may not need annual cover, but should secure stallholder insurance for suitable protection.
Here are some situations to help explain why home baking insurance is important:
Protection from claims due to public injury.
If a customer comes to collect a home baked cake you have made and trips and injures themselves on your premises, you could be liable to a substantial claim.
Public liability insurance for Home Bakery Liability can provide protection from these incidents.
An item you’ve baked causes injury to a customer.
If a cake display broke and fell onto a customer and caused an injury. The customer may bring a claim against you.
Product liability insurance tailored for home baking can cover incidents related to your products, safeguarding you from potential legal consequences.
Protection if your baking equipment is damaged.
You may have invested in expensive baking tools and equipment, which could potentially become damaged or lost. For instance, if your equipment should become damaged in storage.
Having home baking equipment cover can avoid costly repairs and replacements.
An event or venue asks for public liability to sell your cakes.
An event or venue that you sell your cakes at, may expect proof of public liability for as a minimum before you are able to secure a stall.
Our experts explain why...
“Operating a bakery business from your home presents unique insurance challenges that standard home policies simply don’t address. Home Bakery Insurance provides essential protection against risks specific to food production and sale, such as claims arising from allergic reactions, foodborne illness, or foreign objects found in your baked goods.
The financial consequences could be severe should a customer experience an adverse reaction due to mislabelled ingredients, or if damage occurs to your property from commercial baking equipment.
Beyond product liability, your business also requires protection when attending markets or delivering orders. Without appropriate cover, a single incident could significantly impact both your finances and reputation. Our comprehensive Home Bakery Insurance is specifically designed to safeguard your culinary enterprise, allowing you to focus on creating delicious products rather than worrying about potential claims”
Chris Trotman, Protectivity Underwriting Manager
How much does home baking insurance cost?
Every craft business will be unique so, the cost of home baking insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your bakes and cake decorations you may need to increase the value of cover.
At Protectivity policies start at just £4.43* a month.
Prices from
£3.71* a month
Explainer quote
Policy cost
£4.43* a month
Policy type
Home Baking Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Product Liability
£1,000,000
Equipment
£250
Stock
£250
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your home bakery liability insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What happens if I need to recall products due to an issue discovered with ingredients?
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.
Does your home bakery insurance cover ingredient spoilage due to power outages?
No – the current policy does not provide specific cover for spoilage of ingredients caused by power failures or refrigeration issues.
How does my policy handle damage to someone’s property during cake delivery or setup?
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.
Does my home bakery insurance cover me when using a registered kitchen away from home?
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.
Are specialised baking equipment, like professional mixers and ovens, insured?
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.
What happens if someone claims they became ill after consuming my baked products?
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.
Does your home bakery insurance cover damage to my kitchen during baking activities?
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.
Does my policy cover me for custom cake orders and commissions?
Yes – your cover includes any products you create, including bespoke or commissioned cakes, under the Product Liability policy.
Does your insurance cover online sales of my home-baked goods?
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).
How does my policy handle allergen-related incidents with my baked products?
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.
Am I covered for selling baked goods at farmers markets and craft fairs?
Yes – your policy includes Public Liability and Product Liability insurance, covering you up to £5 million. This means you’re protected if a member of the public is injured or suffers property damage at your stall or from consuming your products.
Does my home bakery insurance cover kitchen equipment and appliances used for baking?
Yes – standard cover includes up to £250 for equipment. You can increase this cover up to £10,000 to include baking appliances like mixers, ovens, and other professional tools, if they are lost, damaged, or stolen.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data