Baked Goods Insurance
Shield your at-home baked goods business from general and product liability claims in 10 minutes or less.
Benefits of Insurance for Selling Baked Goods
You need an insurance policy that will cover your baking business and boost your reputation. Find out what FLIP’s coverage offers.
Personalized Coverage
Create a customized insurance plan to fit your needs, including General and Product Liability, Tools and Equipment Coverage, and additional policy options for added coverage.
Unlimited Additional Insureds
Food Liability Insurance Program (FLIP) offers unlimited additional insureds at no extra cost to your premium. Extend your coverage to the events and venues where you sell baked goods by adding them as an additional insured on your policy.
Instant Quote Process
Protect your baked goods business in minutes with FLIP’s easy online checkout and gain instant, 24/7 access to your policy information via our online user dashboard.
What Is Baked Goods Insurance?
Baked goods insurance is made up of a series of liability coverages grouped into one policy to help shield your business from the cost of expensive claims.
FLIP’s insurance for home-baked goods includes general liability, product liability, inland marine coverage (tools and equipment), and damage to premises rented coverage.
Do I Need Insurance to Sell Baked Goods From Home?
Legally, you don’t need baked goods insurance. But without it your business is vulnerable to the cost of claims. These costs could be several thousand dollars and put your business in financial jeopardy. So in the long run, yes, you need bakers insurance to sell baked goods from home.
Picture this: Your baked goods business is being sued by a customer who had an allergic reaction to your cookies because of an unlabeled allergen. The average attorney costs $250–$350 per hour. Do you have enough savings to pay for an attorney out-of-pocket?
Risks and claims can happen at any time and are often unpredictable. Trip-and-fall accidents, property damage, or a customer contracting food poisoning from your business can all result in expensive claims. Baked goods insurance can mitigate or even eliminate those out-of-pocket costs should your business get involved in an accident or lawsuit.
How Much Does Insurance for In-Home Baked Goods Cost?
Insurance for selling baked goods starts at $25.92 per month or $299 per year. The price of your policy can fluctuate depending on several factors:
- Coverage limits
- Additional coverages included in your policy
- The gross income of your business
- States you operate in
What Claims Does FLIP’s Home-Baked Goods Insurance Cover?
With FLIP, you can receive coverage for claims such as:
- Food poisoning claims or unlabeled allergens that caused a customer to have a reaction
- Damaged equipment (oven, stand mixer, etc.)
- Third-party bodily injury and property damage
Let's Talk About Numbers for Baked Goods Insurance
Baked Goods Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Shield your business from the cost of third-party bodily injury and property damage claims, as well as personal and advertising injury, products-completed operations, and more.
Product Liability
Aggregate Limit: $2,000,000
Protect your business from the out-of-pocket costs of foodborne illness-related claims. As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Damaged and stolen equipment is unfortunately a reality for many businesses, but FLIP can help protect your business from the cost of these claims. We also offer increased coverage limits for inland marine, should your business need it.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space for your business, such as a commercial kitchen or event booth, you can be held responsible to pay for any damages that occur while you use that space. Many property owners and event organizers make it mandatory for businesses to list them as additional insureds on your policy. FLIP makes that easy by providing free, unlimited additional insureds.
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Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
