insurance for bakeries

Specialized coverage that can take the heat.

Perhaps your love of baking started when you were young, watching a parent or grandparent create tasty cookies and homemade breads. Or maybe you came to it later in life, during a summer job at the pastry shop in your hometown. Or even as a mid-life career change. Regardless of when or why you took up the craft, today you’re proud to call yourself a baker.

As a baker, you have very specialized insurance needs. After all, consider the sheer quantity of raw materials you have to handle on a daily basis. Not to mention the mixers, ovens and other equipment you need to transform these materials into a final saleable product.


All the right ingredients for comprehensive insurance protection.

Martin provides bakeries throughout New Jersey, Pennsylvania, and Connecticut with a specialized insurance program that is designed to cover the risks that could result in liability claims and property damage. A bakery insurance policy from Martin can include general liability, property damage, flood insurance, commercial auto, crime, commercial umbrella, employment practices, and workers compensation.

In addition, we offer products liability insurance, which will provide you with coverage in the event your baked goods become contaminated with hazardous particulates such as broken glass or common food-borne bacteria such as salmonella. We can also provide you with coverage to protect your equipment in the event of a breakdown that causes your production to halt. A policy can be designed to pay you for loss of income and ongoing fixed expenses should your business be disrupted because of a covered loss, such as a fire. You can also get coverage that protects you should one of your main suppliers fail to deliver raw ingredients due to a fire at their facility, forcing you to incur additional costs to source another supplier. We can provide you with protection as a result of an interruption that causes direct physical loss or damage to your covered property because of a loss to property located off-premises that provides you with water, communication or power supply services.

Our bakery insurance program can even include coverage for loss of perishable stock if it is spoiled as a result of direct damages caused by mechanical breakdown of your refrigerating or cooling equipment or interruption of electric power.

Call now to speak with a representative about commercial bakery insurance. With clients including companies and organizations in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need commercial bakery insurance?

A. Without specialized business coverage such as bakery insurance, everything you put into a company could easily be wiped out with one accident, lawsuit, or other unplanned hardship. Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), specialized industry coverage like bakery insurance, or even a cyber liability policy, we can help.

Q. Why should I buy commercial bakery insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983 and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have commercial bakery insurance. How do I know if it’s the right type or amount?

A. If you already have some form of commercial bakery insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.





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