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ROCHESTER BAKERY INSURANCE
Business insurance is important for bakeries. Stoves and ovens are fire hazards. Losses from refrigeration system failures can happen. If a customer becomes ill from something you serve, you could be legally liable. A property and liability policy could cover damages and legal fees in these instances. Employee injuries are a risk, so workers’ comp is important. Commercial auto coverage for your vehicles is also advised if you make deliveries, and coverage is available for delivery drivers’ own vehicles.
What are the different types of Bakery Insurance that I may need?
Property & General Liability
Professional Liability (E&O)
How much does Bakery Insurance cost?
There are many different factors that can affect your cost for bakery insurance, including your:
Location, because some states have minimum coverage requirements that can increase your insurance cost.
History, especially if you’ve faced many claims and lawsuits in the past.
Number of Employees, because the more employees you have, the more it can cost for coverage.
Policy terms, like choosing a higher coverage amount, deductible or earlier retroactive date.
General aggregate limit, the total amount of coverage you may need for potential losses.