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Cake Business Insurance
Compare insurance for cake makers
Tailored cake maker insurance from 23p a day*
Protect against claims from customers and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for sole traders, small businesses and more
Get cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
cake maker and decorator insurance?
When making elaborate birthday treats, cupcakes for a baby shower or even three-tier wedding cakes, you never know when the cake could crumble.
Even the cheeriest of jobs, like cake making and decorating, come with risks.
A customer could claim your cake gave them food poisoning, or a customer could slip and fall in your kitchen when visiting to discuss designs - whether you’re a small business or self-employed, the risks can seem endless.
Having the right insurance in place for your cake business can help give you protection and peace of mind so you can focus on the next celebration.
What cake makers and decorators can we cover?
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.
Why do cake makers need insurance?
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.
What does cake maker insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services.
Product liability insurance
Covers legal and compensation costs if a claim is made because a baked good you sold causes harm to a customer.
Personal accident insurance
In case you injure yourself on the job and can’t work.
Business equipment insurance
Covers theft or damage to your expensive baking equipment.
What doesn’t it cover?
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.
How much does cake maker insurance cost?
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.
Sort your cake business insurance with Bionic
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.
The right cover can help cake makers and decorators protect their business as they transition from home baking to commercial operations.
Insurance Director, James Barwell
How Bionic business insurance comparison works
Compare insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a business insurance quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Cake Business Insurance FAQs
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