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Whether you specialise in wedding cakes or you’re an expert at decorating cupcakes, you pour your heart and soul into your cake making business. Ensuring you obtain the appropriate level of home baker insurance is a worthwhile consideration.
From anniversaries and birthdays, to retirements and baby showers, it’s likely you add a personal touch to all your bakes. Since you spend so much time and effort perfecting your delicious masterpieces, it only seems right to protect your craft – and taking out suitable insurance for home bakers is the first step.
At Markel Direct, we have 25 years’ worth of experience in providing business insurance, meaning we’re perfectly placed to help you find cake business insurance that suits you.
Cover at a glance:
- Flexible policies to cover a range of risks, from damages to errors in the services you provide
- Financial protection against legal claims
- Protection for events, markets and deliveries
- Equipment and stock cover available
- Tailored for home-based and small business bakers
What is cake maker insurance?
Whether you work from a shop or at home, cake maker insurance is designed to provide protection for you and your business in times of trouble. From property damage insurance to employer and public liability protection for cake makers, there are a wide range of policies available to ensure that you’re suitably insured in the event of unexpected financial fallout.
Cover starting at
£5 a month*
*Price based on a cake maker requiring £1 million worth of public liability cover*.
Do you need insurance for home bakers?
The truth is, owning a business isn’t always easy. From whipping up a wedding cake, to creating custom-made cupcakes, to baking bespoke brownies for your customers, your business will require some level of protection no matter what you’re making and selling. If you don’t have home cake maker insurance, you will not be covered financially should something go wrong.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
What insurance do I need for a cake business from home?
Whatever you bake and sell, you’ll need some form of cake decorating insurance or home baking cover. For instance, if you sell a cake to a customer and they become ill or experience an allergic reaction from eating it, they could make a claim against you and your business. As a result, you could face significant legal and compensation costs. Having appropriate public and product liability insurance in place means that you needn’t worry about having to cover these costs out of your own pocket.
Cake maker insurance can also protect you against any claims made against you by your workers. In fact, if you have employees, you are legally required to take out employer’s liability insurance. This type of cover protects you if an employee becomes unwell or is injured as a result of their work - for example if they trip over a box or cut their hand using a cake decorating tool. Our cake maker insurance can also include cover for your equipment, fixtures, fitting and even your premises, protecting you against unwanted events such as thefts, floods and fires.
Our insurance for cake makers means you can have added peace of mind that your business is protected should the worst happen.
Why choose Markel Direct for cake maker insurance?
We appreciate that your cake making business is important. That’s why our specialist insurance can be tailored to protect you. Here are just some of the reasons why you should take out a policy with Markel Direct:
Tailor your cake business insurance in minutes with these covers
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Public and product liability insurance for home bakers
Public and product liability insurance protects you against claims made by members of the public who have been injured or had their property damaged as a result of your business. Public liability insurance for cake makers can cover you against claims by third parties, and you can choose from policies with limits varying from £1 million to £5 million.
Example of a claim:
A customer experiences a severe allergic reaction after eating a cake you’ve made. As a result, they make a personal injury claim against you to seek compensation. Public and product liability covers you for any legal or compensation costs involved.
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Professional indemnity insurance
If you provide professional services for a fee, such as designs or advice, as part of your cake making business, you may benefit from taking out professional indemnity insurance. This type of policy covers compensation costs and legal fees from a third-party claim made against you due to an error you have made in providing this service.
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Employers' liability insurance
If you have employees, you are legally required to have employers' liability insurance in place of at least £5 million. This insurance covers your business from compensation claims made by your employees if they become injured or ill while carrying out their job.
Example of a claim:
An employee suffers a burn on their hand while removing a cake from the oven. The employee pursues legal action for compensation for their injury and loss of earnings.
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Property damage insurance
Property damage insurance provides cover for any costs involved with the repair or replacement of your business premises and its contents. This insurance provides cover for accidental loss or damage caused by floods, fires and theft. Our property damage policies include portable equipment too. Check out our office and business equipment insurance to find out more.
Example of a claim:
A fire breaks out in your business premises, destroying your equipment and stock. Having property damage insurance in place means you won’t face the cost of replacing these items yourself.
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Legal expenses insurance
Legal expenses insurance covers the costs of any legal disputes, including tax enquiries, personal injury claims and debt recovery claims. At Markel, we offer a legal expenses cover worth up to £100,000.
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Cyber insurance
Cyber insurance is a worthwhile consideration if you sell your baked goods via an online store. This insurance protects you in the event of a data breach, covering costs such as restoring data, meeting ransom demands, informing customers and loss of profits. Our cyber policies also cover legal fees and compensation you may be required to pay third parties.
Example of a claim:
Your IT system is hacked during a cyber-attack and your customers’ sensitive data is compromised, including payment details. Cyber insurance covers the costs of any legal action taken against you by third parties, such as your customers, as a result of this data breach.
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Occupational personal accident insurance
Occupational personal accident insurance protects you if you are unable to work as a result of an injury you suffered at work. Depending on the type of injury sustained, our occupational personal accident cover provides either weekly payments or one lump sum.
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Money and personal assault insurance
Money and personal assault insurance covers the costs associated with the theft or loss of money from your business premises or while in transit. This cover also includes financial help for those who may be injured during a robbery.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does insurance for a home cake decorating business cost?
At Markel Direct, we offer cake maker insurance from £5 a month for £1 million worth of public liability cover*. When it comes to insurance, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much you’ll pay, simply get a quote online.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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When should I get cake makers’ insurance?
At Markel, we encourage cake making businesses to take out insurance as soon as possible. Ideally, you should have a suitable policy in place before making or selling your goods. This will ensure that you’re not caught out should something go wrong.
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Does cake makers’ insurance cover events?
Yes, our cake makers’ insurance covers you and your business against third party damage or injury during a wide range of events, including fairs, fetes and markets. Please be aware this only includes events organised by third parties.
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Do I need public liability insurance for my cake business?
Ensuring you have the appropriate level of public and product liability insurance is a worthwhile consideration, especially if you deal with members of the public. If a customer should fall ill, as a result of eating one of your cakes or suffer from an allergic reaction, potential claims may arise as a result. Public and product liability insurance is designed to ensure you’re covered for associated legal or compensation costs.
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Do you need insurance if you are a home baker?
If you deliver orders to your customers property or arrange for collection from your home, public and product liability would be a worthwhile consideration. Ensuring you have the appropriate cover, means you’ll be covered if you cause damage to a third-party property or an injury you cause to a third party during business activities.
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How is Markel Direct regulated?
Markel Direct is regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can find more details about this on the Financial Services Register.
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