Bakery Insurance Program

Injuries at your premises, like slip & fall of customers.

Illness/injury from your products, like food poisoning or broken teeth. For larger operations, costs to recall products should be considered.

Costs to repair/replace broken glass at your premises.

Damage to your equipment, fit-out, stock, and raw materials from physical losses, such as fire and water damage.

Theft of your property, equipment, stock, and money.

Cover for your lost profit and fixed expenses to keep your business afloat following a loss. This should include additional costs to keep operating while recovering from a loss, such as leasing out temporary locations or equipment.

Costs to repair or replace broken down equipment. This can include cover for spoiled food and business interruption caused by your equipment breaking down.

Injury to your workers.

Covers “management risks” like claims of wrongful dismissal, harassment, and health & safety fines.

Cover for cyber-attacks including emergency response, business interruption, and costs to fix systems.