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Cooking Insurance, Cake & Cookie Business Insurance

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Consider getting insured if you run a cooking business that works with restaurants and delis. You get the most comprehensive coverage against unique exposures by buying cooking insurance. Cookie manufacturing, cake making, and cooking insurance are risk management solutions that’s made up of different business insurance policies. Read this guide to learn what are the specific inclusions, the cost of premiums, and the best insurance companies to work with.


CoverWallet NEXT (Best)ThimbleHiscoxFLIP
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$2,000,000$2,000,000
Products and completed operations aggregate limit $2,000,000

$1,000,000$2,000,000$1,000,000$2,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
$300,000/$1,000,000
$300,000$100,000$100,000$300,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedNo
Equipment breakdown floater included?No YesYesCan be includedYes
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


General liability insurance is always included in cooking professional, cookie manufacturer, and cake maker insurance programs.
Use the table above to compare the features of general liability insurance from companies we recommend. 

You need general liability insurance to cover claims for bodily injuries or property damage that clients, independent contractors, food delivery men, vendors, and other third parties file. General liability insurance is useful when:

  • An independent contractor sustains a burn or cut while repairing your kitchen’s stove, gas pipes, and other utilities 

  • A client slips and falls while in the premises of your business

  • A food delivery personnel gets involved in an accident while running an errand for your business 

By having a general liability policy ready, your business can cover these costs each time third parties file a claim for bodily injuries or property damage:

  • Medical treatments

  • Compensation for the damaged property

  • Legal expenses such as attorney fees, court filing fees, and investigation fees

  • Court judgments

Similar to the general liability insurance of food trailer businesses, food carts, hot dog carts, bakeries, vending machine operators, and other food vendors, the general liability insurance of your business  automatically comes with add-ons. 

Add-ons allow your general liability insurance to grant further protection. These are the most common:

  • Product liability insurance-Helps cover costs if the food you cooked for clients causes food poisoning and allergic reactions.

  • Rented premises liability coverage/tenant legal liability coverage-Allows you to reimburse the losses of the landlord if a rented or leased commercial food manufacturing facility sustains damage because of fire 

  • Hired/non-owned auto liability coverage-Takes care of medical treatments if a vehicle you hired or borrowed for commercial purposes causes damage 


A general liability policy can be used as home cooking insurance and home based and cookie manufacturing coverage because it can also provide protection for cooks, bakers, and cookie manufacturers who work at home. 



Public liability insurance for cake makers, cooks, and cookie manufacturers grants protection against claims for bodily injuries or property damage. It works similarly to general liability insurance. In the UK, public liability insurance is offered as a stand-alone policy with optional add-ons. In the USA, this is offered as part of general liability insurance, food liability insurance, or events insurance plans. 



CoverWallet NEXT (Best)
Thimble Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
HIPAA coverage included?NoNoNoNo
Sexual misconduct coverage included?NoNoNoNo
License defense coverage included?NoNoNoNo
Deductible $500$500$500$50/$10,000


As a cooking business, you make money through your services just like pizza delivery menbartenders, caterers, and personal chefs. And so, you’re professionally liable for any issues that arise while working for a client. 

General liability insurance isn’t enough. Insurance companies allow you to add a professional liability policy to your cake making, cooking, and cookie insurance plan. This will cover defense costs, settlements, and other related costs when:

  • A client files a claim because you failed to deliver goods on time

  • A client files a claim because you negligently prepared the food , and this resulted in spoilage and contamination

  • A client accuses you of inflating the cost of your services

  • A client accuses you of leaving a work unfinished in order to cater to a more important and expensive gig


Professional liability insurance is offered as a stand-alone policy. But still, it’s possible to get this insurance as an add-on to general liability insurance for convenience. Use the table above to compare the professional liability insurance of companies we recommend. 



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CoverWalletNEXT (Best)ThimbleHiscox
Building coverage limit (minimum)$50,000$160,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$89,000$100,000$25,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included


Aside from general liability and professional liability insurance, consider getting a tailored commercial property insurance for cake makers, cooks, and cookie manufacturing businesses. Use the table above to compare the commercial property insurance of companies we recommend.  

Commercial property insurance covers the kitchen or food manufacturing space you own, rent, or lease to make cakes, manufacture cookies, or create meals for clients. This will grant reimbursement if the kitchen or food manufacturing facility gets destroyed or damaged because of:

  • Fire

  • Theft

  • Vandalism

  • Weather

  • Volcanic action

  • Sinkhole collapse

  • Vehicle

  • Aircraft 

  • Other covered perils


Aside from the kitchen or food manufacturing facility, commercial property insurance also covers any equipment inside such as stoves, cooking appliances, ingredients, and other valuables. 

Some insurance companies include a home-based business coverage wording in the language of a commercial property policy and allow you to use it as an insurance for cake business at home.  


Food Spoilage Insurance

Just like grocery stores, farmers market stalls, juice bars, wineries, ice cream manufacturing businesses, and brewery businesses, you rely on raw ingredients to make food and complete a service for a client. 

It’s very devastating if ingredients in-stock spoil. You’ll have to face losses and even have your operations interrupted. 

Food spoilage insurance can help you in such situations. This is an optional add-on to commercial property insurance that will recover the value of ingredients that got spoiled because of:

  • Prolonged power interruption

  • Contamination

  • Food mishandling

  • Employee error




CoverWalletThimble (Best)NEXT Hiscox
General liability aggregate limit $2,000,000$2,000,000$2,000,000$2,000,000
Commercial property coverage limit $50,000$500,000$160,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes

You can combine general liability and commercial property insurance. The result is a business owner’s policy which is cheaper than when you bought the aforementioned policies separately. This is easier to manage too. 

It’s possible for your business owner’s policy to offer add-ons. Depending on the insurance company, you can avail professional liability, cyber liability, equipment insurance, and others from it. 



Other Policies You Might Need 

Commercial Auto Insurance

Consider getting commercial auto insurance if you own a food trailer, food truck, or concession trailer. Commercial auto insurance will help you cover expenses in case a vehicular accident happens. This will also cater to costs if your trailer or truck sustains damage because of fire, theft, vandalism, and other covered perils. 


Workers Compensation Insurance

Workers compensation insurance is useful if you have one or more employees. Employing people without this insurance can result in fines and penalties. So what does workers compensation insurance do? This will cover the cost of the following if an employee sustains a work-related injury or disease:

  • Medical treatments

  • Hospitalization

  • Medication

  • Rehabilitation and retraining

  • Lost wages

  • Death benefits


Liquor Liability Insurance

Purchase liquor liability insurance if you’re involved with the sales or manufacturing of alcoholic products just like distilleries and liquor stores.  With liquor liability insurance, you can take care of costs if a consumer of your alcoholic product files a claim for bodily injuries or property damage. 


Cake Decorator Insurance

You’ll rarely find a stand-alone cake decorator insurance program. As a cake decorator, your best bet of getting covered is by availing a bakery insurance or cake maker insurance plan. Another way of getting cake decorating insurance coverage is by qualifying for a personal chef insurance that covers pastry chefs. 



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Cost per MonthCost per YearDeductible
General liability insurance$25$300$0-$500
Professional liability insurance$29$348$500-$1,000
Commercial property insurance$33$396$1,000
Business owner’s policy$58$696$1,000
Workers compensation insurance$70$840$$2,000-$5,000
Commercial auto insurance$60$720$1,000

Cooking, cake making, and cookie manufacturing businesses pay $25 per month or $300 per year for a $1 million general liability insurance. This assumes a business profile of 5 employees with an annual revenue of $500,000-$750,000. Factors that affect the cost of premiums are:

  • Claims history

  • Business history

  • Number of employees

  • Location

  • Revenue

  • Payroll


For further idea about the cost, take a look at this table that shows how much the recommended companies charge for a $1 million general liability insurance for cake makers, cookie manufacturers, and cooks:



Cost per MonthCost per YearBest for
FLIP$24.91$299Coverage that’s highly specialized for cake decorators, cake makers, cooks, cookie manufacturers, and other food businesses
NEXT$25$300Best overall; Fastest general liability insurance
CoverWallet$27$324Cookie, cake making, and cooking insurance quotes comparison online
Hiscox$29.16$349.92Insurance for cookie manufacturing, cooking, and cake making business with automatic policy renewal
Thimble$33$396On-demand coverage

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We’ve examined the companies that are always mentioned by third party watch dogs. Here are some reviews of the best companies to work with. Read to know their pros, cons, and rate of a $1 million general liability insurance. 


NEXT Cooking And Cake Making Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any

NEXT covers cake and cooking businesses through its bakery and catering insurance programs. That said, the company can still provide coverage even though it doesn’t have a tailored program for your livelihood. NEXT offers the following policies:

  • $1 million-$2 million general liability insurance

  • $160,000 commercial property insurance

  • $1 million-$2 million professional liability insurance

  • $5,000 tools and equipment insurance

  • $10,000 food spoilage insurance

Best for: Best overall; Fastest general liability insurance

Average cost: $25 per month

Our rating: 10/10


Pros

  • Compare insurance quotes online

  • Stable rates

  • Cancel a coverage anytime

  • Easy online policy management

Cons

  • Not an insurance company but an insurance broker 

CoverWallet is an insurance broker. It works with different insurance companies to cover you. That said, you must understand that the policies you’ll get from this company are underwritten by third parties. 

Your general liability insurance from this company has a $1 million-$2 million per occurrence limit. Commercial property insurance, on the other hand, provides $50,000 coverage. You can also avail commercial auto insurance, workers compensation insurance, and other business insurance policies. 

Best for: Cookie, cake making, and cooking insurance quotes comparison online

Average cost: $27 per month

Our rating: 10/10


Pros

  • Worldwide coverage

  • Automatic policy renewal

  • 14-day money-back guarantee 

Cons

  • A lot of customers complain about how Hiscox approves claims 

Hiscox covers your business with its general liability insurance, professional liability insurance, and cyber liability insurance. Here are the features of this company’s coverage:

  • $300,000-$2 million general liability insurance

  • $250,000-$1 million professional liability insurance

  • $25,000 minimum commercial property insurance and $1 million general liability insurance combined in a business owner’s policy

  • $250,000 cyber liability insurance

Consider working with Hiscox because its policies automatically renew every year. Moreover, your liability policies provide worldwide coverage. 

Best for: Insurance for cookie manufacturing, cooking, and cake making business with automatic policy renewal

Average cost: $29.16 per month

Our rating: 9/10


Pros

  • Quick to issue an estimate of your rates

  • Numerous add-ons to general liability insurance

  • On-demand coverage

Cons

  • You can’t reach customer service by calling 

Thimble sells general liability insurance, business owner’s policy, and workers compensation insurance for cookie, cooking, and cake making businesses. Your general liability insurance from this company comes with a lot of add-ons and is available as a short-term or long term coverage.  Here are the features of Thimble’s coverage:

  • $1 million-$2 million general liability insurance

  • $1 million-$2 million professional liability insurance available as an optional add-on to general liability insurance

  • $25,000-$500,000 commercial property insurance bundled with general liability insurance in a BOP

Best for: On-demand coverage

Average cost: $33 per month

Our rating: 9/10


Pros

  • Grants comprehensive coverage to food businesses

  • Numerous add-ons to your coverage

  • No quote process 

Cons

  • Only covers food businesses 

FLIP program offers insurance for cake decorators, cake makers, cooks, and cookie manufacturers. What you’ll like about this company is that it specializes in covering food businesses only. Here are the features of FLIP’s coverage:

  • $2 million general liability insurance

  • $2 million product liability insurance 

  • $5,000 commercial property insurance

  • $300,000 tenant’s legal liability coverage

  • Optional tools and equipment insurance

  • Optional cyber liability insurance

Best for: Coverage that’s highly specialized for cake decorators, cake makers, cooks, cookie manufacturers, and other food businesses

Average cost: $24.91 per month

Our rating: 10/10


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