This post is part of our ongoing series tailored to informing Long Island business owners about their specific insurance needs. In Part 1, we take a look at Bakery Insurance
From the early morning rush in Huntington to the custom cake deliveries in the Hamptons, Long Island bakeries are the heart of our local celebrations. But when you’re dealing with high-heat ovens, heavy machinery, and perishable inventory, the risks are as varied as your pastry selection.
At The Camille Bunicci Agency, we know that a standard “one-size-fits-all” policy doesn’t cut it for a specialized kitchen. Here is what your bakery actually needs:
- General Liability: This is your foundation. It protects you if a customer slips on a stray flour patch or spilled coffee in your storefront.
- Product Liability: This is critical for food service. If a customer has an allergic reaction or claims foodborne illness from your products, this coverage protects your business from the resulting legal and medical costs.
- Equipment Breakdown Insurance: Your industrial ovens, mixers, and walk-in freezers are the lifeblood of your shop. If a power surge fries a motor or a compressor fails, this helps cover the repair costs.
- Spoilage Coverage: If your refrigeration fails overnight and you lose thousands of dollars in butter, cream, and finished cakes, spoilage coverage ensures you aren’t eating that cost alone.
- Business Income/Extra Expense: These key coverages will reimburse the extra expenses and/or lost income that you may experience as you recover from a covered claim.
Essential Bakery Insurance Tip:
If you deliver your treats or use a van for catering pop-ups at the local farmer’s markets, a personal auto policy won’t cover you. Ask us about Commercial Auto Insurance to keep your deliveries moving safely.
