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 that startup cookie makers, cooks, and cake makers need.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | FLIP | |
|---|---|---|---|---|---|
| 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? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | No |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| 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? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included |
| HIPAA coverage included? | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No |
| License defense coverage included? | No | No | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 |
As a cooking business, you make money through your services just like pizza delivery men, bartenders, 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.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| 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 signs | Excluded | $2,500 | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
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.
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
| CoverWallet | Thimble (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? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
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.
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 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
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.
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.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| 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 Month | Cost per Year | Best for | |
|---|---|---|---|
| FLIP | $24.91 | $299 | Coverage that’s highly specialized for cake decorators, cake makers, cooks, cookie manufacturers, and other food businesses |
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance |
| CoverWallet | $27 | $324 | Cookie, cake making, and cooking insurance quotes comparison online |
| Hiscox | $29.16 | $349.92 | Insurance for cookie manufacturing, cooking, and cake making business with automatic policy renewal |
| Thimble | $33 | $396 | On-demand coverage |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
Compare insurance quotes online
Stable rates
Cancel a coverage anytime
Easy online policy management
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
Worldwide coverage
Automatic policy renewal
14-day money-back guarantee
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
Quick to issue an estimate of your rates
Numerous add-ons to general liability insurance
On-demand coverage
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
Grants comprehensive coverage to food businesses
Numerous add-ons to your coverage
No quote process
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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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