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Bakery Insurance in Massachusetts

What is Bakery Insurance?

Opening a bakery requires a significant amount of personal and financial investment, and those investments ought to be protected when possible. Bakery Insurance offers Massachusetts bakeries protection against a variety of risks.

Bakery insurance is specialized commercial insurance for bakeries and similar businesses. Most policies are crafted as package policies, which means they have multiple coverages is in them and protect against multiple risks.

What Massachusetts Businesses Should Have Bakery Policies?

Most bakeries in Massachusetts should have insurance, and bakery policies tend to be the best policies for these businesses. This generally encompasses: 

  • Wholesale bakeries selling fresh or prepackaged foods
  • Retail bakeries selling fresh baked foods
  • Cultural bakery selling ethnic foods
  • Specialty bread and pastry shops
  • Home-based bakeries

Businesses that are unsure whether a bakery policy is right for them can speak with an insurance agent who specializes in these policies. After reviewing a business’ situation, a knowledgeable insurance agent will be able to recommend the right type of bakery or home bakery insurance policy. They likely can also recommend another type of food service insurance if there's a more suitable option.

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What Protections Are Available Through Bakery Policies?

There are a number of protections that Bakery policies might provide. Some of the more widely available ones include:

  • Building Coverage, which may cover a bakery's owned building where foods are prepared and/or sold
  • Contents Coverage, which may cover a bakery's equipment and fixtures
  • Equipment Breakdown Coverage, which may cover essential equipment malfunction
  • Food Spoilage Coverage, which may cover disaster-caused spoilage of foods
  • Loss of Income Coverage, which may cover disaster-caused losses of income
  • General Liability Coverage, which may cover common accidents occurring on a bakery's premises
  • Product Liability Coverage, which may cover injuries and illnesses caused by sold foods

There are still more coverages that policies might provide.

Can Bakeries Get Commercial Auto Coverage Through Bakery Policies?

Bakeries that use trucks or vans for deliveries usually need insurance for their vehicles, and bakeries that have owners/employees drive personal vehicles generally also should have some vehicle coverage. The type of coverage required differs between these situations, though.

When bakeries own trucks or vans, those vehicles normally should be covered by a full-fledged commercial auto insurance policy. Such a policy typically provides protection for the owned vehicles, as well as any injuries or damages that occur during an accident.

When bakeries use owner/employee vehicles, hired and non-owned vehicle coverage is likely a better option. This coverage usually doesn't protect the used vehicle against damage (the owners/employees' personal auto insurance can do that), but the bakery's policy may provide liability protection in the event of an accident. 

How Much Are Premiums for Home Bakery Insurance?

Premiums for home decrease insurance policies tend to be quite affordable. Home bakeries see where the anomaly are smaller and need only basic protections, so ensuring them normally doesn't cost a lot.

An independent insurance agent can help entrepreneurs find out how much home bakery insurance for their particular business would be. Unlike captive agents, independent insurance agents aren't linked with any one insurance company. Thus, they can help entrepreneurs compare policies across multiple insurance companies to find the best combination of strong coverages and affordable premiums.

How Can Massachusetts Bakeries Get Bakery Insurance?

If you need help ensuring a bakery that's located in Massachusetts, contact the independent insurance agents at Roger Butler Insurance. Our agents will work closely with you to determine what coverages are right for your bakery, and will ensure you find a bakery insurance policy that provides those important protections.

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