Business insurance for bakeries

Save some dough and lower your “margarine” for risk with great value bakers insurance.

Why you need bakery insurance

You’ve worked hard to bring bread and pastries to the people. You built a business layered with pride and commitment. Let us help you protect it. We won’t flake when you knead us. Bakery insurance through State Farm® can help cover you against risk, especially in cases of:

  • On-premises injuries – Whipped cream tastes great on apple pie, but it’s surprisingly slippery when dripped on floors. Don’t let customer injuries deflate your business.
  • Business interruption and loss of income – Storms take out power. Fires happen. Life happens, but we can help minimize the business impact.
  • Fire -The shadow that keeps bakers up at night. We can help you restore and rebuild in the event of a covered loss.

What bakery insurance covers

The starting recipe is simple, but we can customize. First, we package coverages designed to meet the needs of bakers who own their own small business. Then, we craft that policy to meet your unique business needs. The coverages offered include:
  • Property – Covers your building, improvements, contents, equipment, and inventory from a covered accidental direct physical loss.
  • Liability – Shields against costly claims and lawsuits covered by the policy, which arise from property damage, bodily injury, or personal and advertising injury.
  • Loss of Income – Protection in case your operations are suspended due to a covered loss.
  • Spoilage – Backs up your business in case of accidental direct physical loss to perishable goods caused by mechanical breakdown, power outage, or refrigerant contamination.
  • Equipment Breakdown – Helps pay for covered equipment if it breaks down or is damaged by covered claims.
  • Employee Dishonesty – Coverage against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees.

Consider adding additional coverages

Depending on the type of bakery you own, the number of employees you have and other factors, what’s covered in your bakery insurance policy might not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Employers’ non-owned and hired car

If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Commercial liability umbrella policy

A Commercial Liability Umbrella Policy (CLUP) covers you like ganache against costly lawsuits that may exceed your policy limits.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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