Though the tantalizing aroma of sweet baked goods wafts outside of your bakery shop, inviting customers in, there's one thing that lurks precariously everywhere and it is far from tantalizing. With every whisk of an egg, every push into the kiln, every delicious finished product removed from the oven, every interaction with hungry patrons - and even beyond hours of operation - your exposure to risks is present.
You've worked very hard to build up your business. Don't allow the possibility of losses and damages destroy it. Get the coverage that will shield you from a lawsuit and the financial upheaval that can come along!
Genuine Claim Examples that can happen to Any Bakery
Bodily Injury
The bakery was fresh and clean after the cleaning crew had left. A man walked in. Unfortunately, he slipped on the wet floor and fell. The customer incurred a broken ankle. He brought a $12,000 suit against the business owner.
Property Damage
The salesgirl in a bakery took a well-deserved coffee break. When she noticed how harried the other workers were becoming in dealing with the demand of customers, she took a respite from her recess to lend a devoted hand. While attending to a customer, she inadvertently spilled her coffee onto the laptop computer he had placed on the serving counter. The man brought a claim against the owner for his loss: $5,000.
Water Damage
The bakery's grease catch broke down. This caused a liquid overflow into the basement, into the neighbor's adjacent apartment and into the lower level rented storage space. The accumulated damages reached the sum of $25,000.
Fire Loss
There were a bunch of grease rags stored within the bakery's container. The container stood next to the electric heater. The dangerous combination of hot air and fat-saturated cloths led to a fire and the associated $15,000 loss.
What type of insurance policy does a bakery need?
Although bakeries, by and large, share a common threat to liability, every shop is unique. Your best bet to acquiring a protective insurance policy is to speak to an experienced insurance agency that deals with general liability, as well as homeowner, auto, commercial, workers comp, life products and more. The professionals who have your interest in mind will review your individual situation and scout their broad network of companies to come up with a comprehensive customized plan - at a competitively low quote. Not only can this cause you to be adequately protected in the event of the unthinkable, there's an attractive added priceless commodity that comes along - peace of mind!
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