Public Liability Insurance for Cake Making And Decorating

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Ashburnham Insurance provide low-cost public liability insurance cover for cake making and decorating. This includes all birthday, wedding and other special occasion cake makers.

Why Cake Makers and Decorators need liability insurance

When you are involved in the designing, making and decorating of cakes, you may not think there is much that can happen that could affect you. A simple lapse of concentration in what you are doing could lead to an injury or damage to a third-party. While delivering a celebration cake to a birthday party, you might have someone trip over your bag or equipment and injure themselves. This is why public liability insurance is vitally important.

It covers against most of the unexpected incidents that can occur during cake making and decorating that you could be liable for. Such occurrences can result in financial difficulties for you and your company. Public liability insurance for a cake making and decorating is not compulsory but essential to ensure the longevity of the company.

Common types of claims

• An unexpected outbreak of food poisoning is deemed to have come from your cake affecting several members of the public
• Delivering a wedding cake to a venue you accidentally knock an expensive table ornament over which smashes
• A foreign object falls into your cupcake or icing mixture and a customer bites into it causing them injury

This cover is optional but Ashburnham recommends that you definitely consider having it. If you only sell your products on a stall at a craft fair and the like, you should take out market traders insurance to get the appropriate cover.

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Range of Cake Making And Decorating Insurance

Public Liability
Employers Liability
Shop Insurance

Extra Insurance

Goods In Transit Cover

Get public liability insurance for your cake making and decorating business

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What types of insurance coverage does a cake maker and decorator need?

You might not think there is much that can go wrong when making and decorating cakes, but it doesn’t take much for an accident to happen. Some of the main types of insurance recommended for cake makers and decorators include:

Public Liability Insurance – Public liability insurance for cake makers and decorators provides you with protection against any accidental damage caused by you or an injury to a member of the public.
Employer’s Liability Insurance – If you have people working for your cake making business then you need employers liability insurance, it’s compulsory.
Shop Insurance – If you sell your products from a shop, this insurance is designed to insure any shop premises for either the buildings or the contents.

What insurance do I need if sell my cakes on a market stall or at a craft fair?

If you only sell your products on a stall at a market or craft fair or similar, you should take out market traders insurance to get the appropriate cover. It covers the unexpected incidents that market traders and crafters could be liable for. You may also want to extend your cover to protect your stock whilst transporting it to the market and should then look at some goods in transit insurance.

Is public liability insurance for cake makers and decorators a legal requirement?

Whilst public liability insurance for cake making is not required by law, it has become increasingly essential for each and every business. If you sell your products on a stall, most pitches and councils require you to have this type of insurance cover to operate.

How much insurance coverage does a cake maker and decorator need?

Public liability insurance for cake makers indemnifies you or your business against any injury or damage you might cause to people or their property during the course of your occupation. Whilst most people will opt for an indemnity level of £1,000,000, Ashburnham can also provide £2,000,000, £5,000,000 and £10,000,000 cover if required.