Bake Sale Insurance
Protect your next bake sale with comprehensive coverage from Food Liability Insurance Program (FLIP). Get insured in 10 minutes or less!
A+ Rated Bake Sale Liability Insurance
With a bake sale fundraiser, the goal is to make as much money as possible for your cause. Bake sale insurance can protect you from unexpected expenses that could cut into the proceeds.
Customizable Coverage
You get comprehensive general liability insurance with FLIP’s base policy. Need more coverage? Add extra protection for your equipment or a trailer so that the unexpected doesn’t sideline your business.
Easy Online Access
Add additional insureds, download your certificate of insurance (COI), and make changes to your policy 24/7 from your online dashboard.
Unlimited Additional Insureds
Be ready to meet event requirements any time! FLIP offers unlimited additional insureds at no extra cost.
What Is Bake Sale Insurance?
This customizable liability coverage is designed to help mitigate or eliminate unexpected out-of-pocket expenses from claims related to your baked goods business. Common issues that bake sale insurance can cover include bodily or personal injury and property damage.
Do You Need Insurance for a Bake Sale?
You need insurance for a bake sale because risks are present no matter how careful you are. A single accident could cost more than the proceeds of your event, but insurance can offset those expenses to help maximize your profit.
Though it’s not legally required, bakers insurance is highly recommended when you participate in bake sales to protect businesses from pricey claims.
What Risks Does Insurance Cover for Bake Sales?
Bake sale insurance covers common risks you face at events like third-party injuries and property damage. You could be held responsible for medical bills, repair costs, and legal fees.
Consider these scenarios:
- You’re selling chocolate chip cookies made with your family’s secret recipe. A customer eats them without realizing they contain peanuts and has a severe allergic reaction. They end up suing you for their medical expenses.
- A customer slips and falls on some spilled frosting, spraining their ankle and requiring medical attention. Now they’re claiming that you are responsible for their bills.
- After eating your products, a customer gets food poisoning and ends up in the ER. You could be liable for any costs associated with their illness.
Your FLIP policy could absorb some or all of these expenses, providing an essential financial safety net for you and your business.
How Much Does Bake Sale Insurance Cost?
The cost of bake sale insurance starts at $25.92 a month or $299 a year.
Additional coverage options include:
- Inland Marine (Tools and Equipment) Coverage — from $8.25/Month
- Trailer Endorsement — $12.50/Month
- Cyber Liability — $8.25/Month
- Professional Liability — $10.42/Month
- Excess Liability — from $41.67/Month
About FLIP’s Bake Sale Insurance Coverage
Whether you just like to help out by providing goodies for local charity events or you operate a bakery, general liability insurance is a smart investment.
FLIP offers essential coverage for products, like baked goods, as well as events like farmers markets and food festivals.
If you participate in bake sales, you also fall under the requirements of Cottage Food Law. Every state has rules about what and how you can sell food made in a home kitchen.
Benefits of Insurance With FLIP
- Instant quote process
- 24/7 access to policy documents
- Convenient online purchasing
- Licensed in most locations
- Monthly payments available
Let's Talk About Numbers for Bake Sale Insurance
Bake Sale Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Holding a bake sale is a great way to give back to the community, but accidents can still happen anytime. FLIP protects against pricey claims like third-party bodily injury and property damage.
Product Liability
Aggregate Limit: $2,000,000
You could be held liable if a customer gets a foodborne illness or experiences an allergic reaction from your baked goods. Product liability insurance can absorb the costs that result from these claims.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Baking treats requires essentials like a mixer, and selling them usually means you’re transporting tools, equipment, and supplies. If items like these are damaged or stolen, tools and equipment insurance can help cover the cost of repairing or replacing your gear.
Damage to Premises Rented
Aggregate Limit: $300,000
If you need to rent a commercial kitchen to bake in bulk or a space to hold your bake sale, the property managers may require that your insurance be extended to them. In the event of an accident, like a kitchen fire, everybody needs to be covered. FLIP offers unlimited additional insureds at no extra cost.
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
Hear From Our Customers About Bake Sale Insurance
Here's what other people have to say about their experience from over 312+ available reviews.
FAQs About Insurance for Bake Sale Vendors
Can I Get One-Day Coverage for a Bake Sale?
FLIP does not offer a one-day event policy for bake sales, but we do have an annual policy with monthly payments as low as $25.92. If you sell baked goods more than once a year, long-term coverage offers the best value.
How Do I Purchase Bake Sale Insurance?
Get a free quote and purchase your bake sale insurance in five easy steps:
- Start your application
- Select your business type and gross annual income
- Add any optional coverages you need
- Get your free quote
- Check out and get your instant Certificate of Insurance (COI)!
