Bakery Insurance in Massachusetts

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.