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Bakery stores sell baked goods, which may or may not be made on-site, directly to household consumers. Their products may include cakes, bread, cookies, donuts and chocolates. Most specialize in bread or sweet pastries, but some bakery stores offer both.

General Liability Insurance for Bakery Stores – Bakery Stores need to be mindful of choking hazards, hot liquids, food allergens, and food sanitation. The floors should be clean and spills should be cleaned immediately to help avoid trip hazards. All public restrooms located inside bakery stores should be constructed to code to ensure safety and ADA compliance.

Workers’ Compensation for Bakery Stores – Injury can occur to bakery store employees while using the baking equipment or knives. Employees can be severely burned or cut as a result. Bakery store employees may also slip and fall if nonslip mats are not used and if wet floors are not cleaned up immediately. 

Business Auto Insurance for Bakery Stores – Bakery store delivery drivers may be at higher risk for an automobile accident due to the early business hours and morning rush hour traffic. Drivers may be more tired during work hours than at other times during the day. Proper hiring techniques and adequate supervision may help reduce accidents. Bakery store delivery vehicles should also remain in good working order at all times.

Property Insurance for Bakery Stores – A major risk at bakery stores is due to fire. Fire could result from faulty cooking equipment or improper use of the equipment. In the event of a fire, the food may be contaminated, resulting in additional damage. Regular maintenance of all electrical equipment and prompt replacement of older equipment could reduce the risk of fire at bakery stores. Electrical equipment should be grounded and should be connected to power outlets with double insulated wiring. A licensed electrician or other certified equipment vendor should make all repairs. Business may be interrupted due to damage to or loss of computers, electronic equipment, valuable papers, or accounts receivables.

Crime Insurance for Bakery Stores – Bakery stores are at risk of employee theft, robbery and burglary. Cash, checks, and credit card receipts should be dropped into fire and theft resistive safes until such time as deposits can be made. Bank deposits should be made on at least a daily basis.