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Bakers insurance

Bakery insurance NZ

Bakery insurance is a specialized type of business insurance designed exclusively for bakeries. It covers a range of risks associated with running a bakery, such as equipment damage, employee injuries, or public liability if a customer were to get sick from one of your products.

Why is bakery insurance important? 

Every business comes with its set of challenges and risks, and bakeries are no exception. Imagine a scenario where an oven malfunctions, causing damage not just to itself but the entire kitchen. Or, what if a customer, unfortunately, finds a foreign object in one of your pastries and decides to sue? Without bakery insurance, these situations can financially drain your business. With the right coverage, however, such hiccups can be managed without causing significant disruptions to your bakery operations.

In New Zealand, the average cost of bakery insurance typically ranges between $140 – $280 per month. 

It’s crucial to have bakery coverage if your business:

  • Uses expensive kitchen equipment
  • Serves products to the public
  • Employs several staff members
  • Operates from a physical location

What covers are typically included in bakery insurance? 

Public Liability

This policy covers common bakery business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps bakeries businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Contents Insurance

Bakery contents insurance in NZ is for protecting all the important stuff inside a business. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Stock Insurance

Stock insurance in NZ is a type of coverage that helps protect bakery businesses from the loss or damage to the items they sell.

Best For
  • Mishaps 
  • Natural Disasters
  • Fires

Employers Liability

This insurance helps protect bakery businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

Employment Disputes

This insurance in NZ covers legal costs and other expenses arising from disagreements between employees and their employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

Building Insurance

Building insurance in NZ is a type of coverage that helps pay for repairs or rebuilding if your building or commercial property gets damaged. 

Best For
  • Accidents 
  • Natural disasters
  • Fires

Business Interruption Insurance

Helps protect bakeries when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

How much does bakers insurance cost?

Bakery insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Bakers insurance in NZ typically costs between $140 to $280 per month

Who needs bakers insurance?

Any individual or entity that operates a bakery, whether it’s a small home-based business or a large commercial establishment, should consider getting bakery insurance. This includes independent bakers, franchise bakery owners, and even pastry chefs who run their own businesses. If you’re in the business of baking and selling, bakery insurance is for you.

While specific business insurances might be mandated, bakery insurance as a whole isn’t a legal requirement in New Zealand. However, given the potential risks involved in running a bakery, having insurance is a smart and protective move.

Absolutely! Bakeries are diverse, and so are their insurance needs. With Gerrards, you can tailor your bakery insurance package to suit the unique requirements of your business.

How do I get proof of bakery insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a bakery insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our bakers insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does bakery insurance not cover?

Intentional wrongdoing or fraud

If a bakery owner commits fraud or intentional malpractice, the insurance won’t cover the repercussions.

Normal wear and tear

Equipment that naturally wears out over time isn’t covered. Only sudden and unforeseen damages might be included.


Environmental damage or pollution-related claims usually aren’t covered under standard bakery policies.

Other common questions about bakers insurance

Home-based bakeries can still get bakery insurance. However, it’s essential to clarify with the insurer that your business operates from home to ensure all risks are appropriately covered.

Yes, most bakery insurance policies can cover theft, both in terms of cash stolen and equipment or baked goods.

Definitely! As your business expands, your insurance needs may change. You can adjust your policy to match your bakery’s growth and new challenges.

It’s possible. Making a claim might lead to an increase in your premium upon renewal. It depends on the nature of the claim and the insurer’s policies.

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