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Why a Bakery Has Specialized Business Insurance

Your bakery has one-of-a-kind risk exposures!

The enticing aroma of freshly baked goods invites the customers. The associated risks invite liability. That’s why, besides good baking skills, you need suitable business insurance coverage.

RELATED: Why a Pizza Shop needs specialized NJ commercial insurance

Bakery Insurance Claim Scenarios (these can happen to you, too)

  • Bodily Injury Insurance

As he entered a bakery, the patron tripped and fell on the freshly mopped wet floor. The man suffered a broken leg as a result and sued the owner of the establishment for $12,000.

  • Property Damage Insurance

While on her break drinking her coffee, the bakery’s saleslady decided to pitch in and help at a particular busy time of day. While serving a customer that had placed his laptop on the counter, she accidently spilled her drink on top of it. The bakery was liable for the $5,000 loss.

  • Water Damage Insurance

A grease trap in the bakery malfunctioned, resulting in water spillage in the building’s basement. The man who lived next door to the bakery experienced water leakage from the adjacent wall. Another man who used the basement for storage suffered damages as well. The total losses amounted to 25,000.

  • Fire Insurance

A bakery had a pail of oily wipe-cloths positioned near an electrical heater vent. The mix of heat and oily residue on the cloths resulted in a fire with a loss of $15,000.



PRIME Insurance and MetLife

MetLife Auto & Home Insurance, the leading insurance company name, has recently launched its NJ commercial insurance. Rated for excellence by MetLife, PRIME now offers MetLife’s exceptional business owner policies designed specifically for the bakery owner and his liabilities in mind.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: You are a bakery owner. You realize that you are faced with unique risks in relation to your business. Do not throw caution to the wind! Contact PRIME Insurance, the ‘expert bakery insurance authority’, to discover how they can assist you in procuring the insurance policy that shields you from associated lurking catastrophe.


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