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
- 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 liability umbrella policy
Workers' compensation
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.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.
- State Farm Mutual Automobile Insurance Company
- State Farm Indemnity Company
- Bloomington, IL
- State Farm County Mutual Insurance Company of Texas
- Richardson, TX
- State Farm Fire and Casualty Company
- State Farm General Insurance Company
- Bloomington, IL
- State Farm Fire and Casualty Company
- Winter Haven, FL
- State Farm Lloyds
- Richardson, TX
- State Farm Life Insurance Company (Not licensed in MA, NY or WI)
- State Farm Life and Accident Assurance Company (Licensed in NY and WI)
- Bloomington, IL