Home baker insurance Home baker insurance

Easy, adaptable, instant. Cover for all home baking businesses that are on the rise.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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Home baking insurance quote from £5 a month

10% of home bakers paid £5 a month or less for their Superscript business insurance between January and March 2023.

What does insurance for home bakers cover?

Whether you're baking baguettes or perfecting pastries, chances are you'll face a number of common business risks. Public liability's considered an essential cover if you're dashing around delivering your baked goods to customers - and if you employ anyone, you'll need to think about employers' liability too.

  • Choose from £1m, £2m, or £5m public liability cover
  • Add employers' liability if you have any staff
  • Enjoy 5-star customer service and claims support
  • Add or remove covers and adjust your limits, with no extra fees
  • Pay monthly or annually, it’s your choice

What insurance do home bakers need?

With Superscript, protection for you, your customers and your equipment is baked in.

Public liability insurance

The most popular cover that baking businesses choose, public liability insurance offers financial compensation in the event that a customer (or anyone else who isn't your employee) takes legal action against your business due to injury or property damage caused by you while you're working.

Superscript offers you the choice of a £1 million, £2 million or £5 million limit to your PL cover, depending on the size of your business.

Business equipment insurance

Specialist baking equipment can be expensive and, at some point, it could get damaged or broken, or even lost or stolen if you work out and about. That's why business equipment insurance is a no-brainer for most business with specialised equipment. It covers the cost of repairing or replacing accidentally lost or damaged equipment, from stand mixers and digital scales to laptops and card machines.

Employers' liability insurance

In the UK, employers' liability insurance is a legal requirement for most businesses that employ people - regardless of whether your team your team is made up of full-time, temporary or part-time staff.

If an employee suffers an accidental injury or damage to their property and they made a claim against you, this type of cover could protect you and your business.

What's included:

  • £10m of cover for claims made by employees for accidental injury or property damage as a result of working for you
  • Compensation for court attendance
  • Cover for injury to working partners

Cyber insurance

Cybercrime doesn't just affect large corporations operating in the world of digital tech. From selling baked goods online to taking card payments from customers, your home baking business is likely to use digital technology and hold sensitive information about your customers such as their email addresses and card payment details.

This is where cyber insurance comes in. It gives you protection in the event of a hack or data breach, covering legal and compensation costs if you are in breach of GDPR laws or PCI DSS regulations.

You can choose cyber cover limits from £250,000 to £2 million.

Accident and sickness insurance

Accident and sickness insurance comes in three parts to cover workers aged between 16-69.

Firstly, it’s designed to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.

And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

Do you sell your baked goods online?

If you sell your tasty products via the internet (rather than from a physical shop or stall), you may need cover that's a little different.

We've put together a new, customisable insurance product for online sellers, which can cover the unique risks that come with selling baked goods online.

Find out more

How do insurance claims work?

The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.

If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your Superscript claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We’ll keep you updated on the next steps as the claim progresses.

3

A decision is made

We’ll let you know if your claim is successful or not. At Superscript, if your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within 5 working days.

Home baking insurance claim examples

There are various different types of insurance claims that can affect home baking businesses, and here are a few examples of claims where your business could be liable:

Broken equipment

At a food fair, the camera you use to photograph your tasty produce is knocked off your stall and smashes. Your business equipment insurance can cover the cost of repairing or replacing the item so you can carry on taking product images.

Data breach

You suffer a cyber attack and some of your customers' card payment details are compromised. Cyber insurance can cover your legal and compensation costs and provide you with 24/7 professional breach support.

Injured employee

You employ an assistant to help at a food fair and they burn themselves on a portable oven that wasn't clearly labelled. Employers' liability insurance covers your legal and compensation costs if they bring a claim against your business.

Home baking insurance FAQs

How much does insurance for home bakers cost?

This will depend on the level and types of cover you choose for your business. Our cover for home bakers starts from £5 per month.

10% of home bakers paid £5 a month or less for their Superscript business insurance between January and March 2023.

Do home bakers have to get insurance?

While most insurance is optional rather than mandatory, most self-employed professionals opt for public liability at the very least, as an accidental injury to a customer could result in devastating costs.

Employers' liability, on the other hand, is a legal requirement for almost all businesses with employees. The law requires most businesses with staff to have at least £5 million of employers' liability cover if you hire any staff. Superscript includes £10 million of cover as standard with our EL policies.

Will my equipment be covered if it's stored in my car, while traveling between deliveries?

Yes, if you get business equipment cover, your equipment will be covered while in transit.

What covers should I consider if I'm selling baked goods online?

If you're selling your baked products online and delivering them to customers, then you may wish to consider online seller's insurance as it can offer more suitable cover for your online operation.

Do I need to be a registered business to sell home baked goods?

If you intend to sell your baked products for profit, then for the purposes of tax you will need to register either as self-employed, as a sole trader business, or as a limited company. Which of these company structures you choose is up to you, and you can read our guide to the differences between different structures for more information.

Boost your cover with legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

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Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.