Equipment Breakdown Insurance for Bakeries
Protecting the People Who Make Your Bakery Shine
Protect Your Bakery from Everyday Risks
Running a bakery means relying heavily on specialized equipment — from commercial ovens and refrigerators to dough mixers and proofers. When any of this breaks down unexpectedly, your business operations can come to a sudden halt, leading to lost revenue, costly repairs, or spoiled goods.
Why Equipment Breakdown Insurance Matters for Bakeries
Commercial kitchen equipment isn’t just expensive — it’s the heart of your business. Mechanical or electrical issues can occur anytime due to:
Power surges
Motor burnout
Boiler malfunction
Electrical shorts
Refrigeration failure
User or mechanical error
With this insurance, you don’t have to worry about paying repairs out of pocket or dealing with extended downtime.
Business Owners Policy (BOP)
A Business Owners Policy bundles essential protection in one cost-effective package. It helps cover:
Commercial property (building, equipment, inventory)
General liability coverage
Business interruption caused by unexpected events
Product liability and customer injury claims
Perfect for bakery owners wanting complete coverage at a better value.
Workers’ Compensation Insurance
Bakeries are fast-paced environments where slips, burns, cuts, and lifting injuries can happen. Workers’ compensation provides:
Coverage for employee medical expenses
Wage replacement during recovery
Protection for your business from injury-related lawsuits
It is required in most states if you have employees.
How does it work
Common Injuries in Bakeries
Working in a bakery can be physically demanding, with long hours, heavy lifting, and exposure to high temperatures. Some of the most common workplace injuries include:
Burns and Scalds
Bakers frequently handle ovens, hot trays, and boiling ingredients. Even a brief distraction can result in painful burns or scalds.
Slips, Trips, and Falls
Flour dust, oil spills, and wet floors make bakery kitchens prone to slips and falls. These accidents can cause sprains, fractures, and back injuries.
Cuts and Lacerations
Knives, mixers, and slicing tools are essential baking tools — but they also pose risks.
Repetitive Strain Injuries
Constant kneading, mixing, or packaging can strain muscles and joints over time, leading to conditions like carpal tunnel syndrome.
Who are we
Why Choose Bakerybizinsurance?
At Bakerybizinsurance, we’re not just insurance agents — we’re industry specialists who understand the unique risks of running a bakery. Our goal is to provide customized coverage that fits your business operations, budget, and workforce needs.
We cover vans, trucks, utility vehicles, refrigerated delivery vans, and more used for bakery business operations.
Yes — optional coverage can protect transported products and tools against theft, damage, or spoilage during accidents.
A BOP combines property coverage (for your equipment, ovens, or building) and general liability protection into one plan. It’s designed to keep your retail bakery running, even after a fire, theft, or other covered loss.
Workers’ Comp covers injuries to your employees, while General Liability covers injuries or damages to customers and third parties.