Whether you own a small cafe selling breads and sweets or are a large, multi-location bakery and food chain, Tomins is here to help you run your business better.
Insurance is a critical part of doing business as a baker. Tomins’ deep understanding of the special needs of a bakery business enables us to provide the perfect insurance policy for your specific situation. From general liability to commercial property insurance — and everything in-between — Tomins is the perfect insurance partner for your bakery.
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Having the right insurance is one of the most important keys to success in today’s fast-paced business environment. That’s especially true for bakeries and baked-good shops.
In addition to the daily job-related risks and legal liabilities that you’re certainly aware of, you may be surprised to learn about many other risks involved as a bakery — risks that go far beyond those covered by a standard bakery insurance policy.
From a customer’s allergic reaction (maybe resulting from employee negligence) to a slip and fall on the sidewalk outside your storefront, the threats you face as a bakery owner are too widespread to ignore. You need coverage from an insurance partner that knows your business like you do.
Bakery insurance from Tomins is designed with you in mind. We can help protect you from the risks you’re aware of, and leverage the deep knowledge base at Higginbotham to keep you informed of risks you may not have thought about.
Whether you’re a small home bakery or a large bakery chain, you should consider investing in a business owners policy (BOP). Much like homeowners insurance protects a homeowner’s house and possessions, a BOP can cover the cost of replacing a business owner’s buildings, property, and other assets in the event of a loss.
A bakery BOP typically consists of three fundamental coverages:
Depending the unique circumstances of your business, you may want to consider carrying some additional coverages for your bakery. Some other important coverages for consideration include:
In addition, Tomins Bakery Insurance offers fully customizable coverage for any individual situation. Our specialized bakery insurance policies can also include:
Insurance is an essential part of doing business as a bakery owner. But if you think about the massive financial losses you could suffer from an uncovered incident, the cost of insurance premiums typically pale in comparison.
While bakery insurance coverage costs can vary considerably, the following table serves as a good guide for the coverage costs you should expect for the average situation:
At Tomins, we are in the business of making bakery insurance easy. Start your free personalized insurance quote now on our online quote page. To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply:
Take the time to make sure all of this information is up to date and accurate. It’s the best way to ensure that we can provide you with the best quote possible.