Cake Business Insurance

Whether you run a small local business or work alone, we can help find you cover, whatever type of cakes you bake! Including, but not limited to:

• Home-based cake makers
• Custom wedding cake specialists
• Birthday cake creators
• Celebration cake designers
• Commercial bakery owners
• Mobile cake decorators
• Pop-up cake stalls
• Cake class instructors

Even if your niche isn’t listed, it’s likely we can still help. Start a quote online to get started.

From cupcakes to wedding cakes, no matter what you’re working on, the risks are likely to be similar. You could run into the following: 

• A customer claims your cake gave food poisoning
• A fire, flood or other insured event damages your kitchen in your commercial space
• A customer or visitor slips and falls in your workspace
• An employee suffers a severe burn while carrying out work for you

If you hire anyone (including volunteers), you’ll need to take out employers’ liability insurance, which is a legal requirement. If you are self-employed and work alone, you won’t need this.

Although not every insurer is the same, you are likely to see some exclusions. Always refer to your policy wording to see what’s included and excluded: You may see the following exclusions:

• Deliberate negligence of food safety standards
• Damage from poor maintenance of equipment
• Pre-existing equipment issues
• Other business activities you haven’t declared
• General wear and tear

Always tell your broker details of your business activities so they can arrange the right cover for your needs.

Business insurance for cake makers could start from 23p a day*

Your actual price for caker maker insurance depends on your requirements. This is because your business is unique, and prices depend on a number of factors, including:

• Extent of cover - The more cover you opt for, the more expensive your package is likely to be. 
• Your insurer - The insurer you choose will also influence costs. 
• Location  – Where you work is taken into consideration when calculating the price of your premiums. 
• Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums. 

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary on your buisness requirements.}

At Bionic, we support UK business owners and want to help in every way we can. That’s why we have knowledgeable insurance brokers who work with a panel of trusted insurers to compare business insurance to find the right fit. Get in touch with us today by starting a quote online.