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bakery insurance

baked goods Insurance Program

Bakery Insurance: Protect Your Business and Give Yourself Peace of Mind


Why You Need Bakery Insurance

As a bakery owner, you understand the importance of protecting your business from potential risks and liabilities. At our company, we offer a variety of insurance options to ensure that your bakery is fully covered in case of accidents, property damage, and more.

Property Damage and Loss Coverage

This includes coverage for damage to your bakery’s building and equipment, as well as loss of income due to business interruption.

Liability Coverage

This includes coverage for accidents that occur on your bakery’s premises, as well as any third-party claims that may be made against your business.

Product Liability Coverage

This includes coverage for any harm caused by the food products you sell, such as illness or injury.
This includes coverage for any injuries or illnesses that your employees may suffer while on the job.

Customizable Insurance Packages

We understand that every bakery is unique, and that’s why we offer customizable insurance packages to meet the specific needs of your business. Our team of experts will work with you to create a package that fits your budget and provides the coverage you need.

Risk Management Services

In addition to our insurance options, we also offer risk management services to help you identify and mitigate potential hazards in your bakery. This can include employee training, safety inspections, and more.

Get a Free Quote Today

If you’re ready to protect your bakery and give yourself peace of mind, contact us today to get a free quote.

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Welcome to Toronto Insurance Solutions, your reliable source for insurance information in the Greater Toronto Area. As a local insurance broker based in Markham, Ontario, I am dedicated to providing my clients with comprehensive coverage options for all their insurance needs, serving towns and cities across the province.

Bakery Insurance

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Description of Coverage’s

Sewer Back-Up


Building By-Laws
Land and Water Pollution Cleanup
Inflation Protection
Glass (as required)
Building By-Laws (included in building limit)
Land and Water Pollution Cleanup (Aggregate Limit)
Inflation Protection
Building By-Laws (included in building limit)
Land and Water Pollution Cleanup (Aggregate Limit)
Inflation Protection
Brands and Labels
Property of Others for Which the Insured is Legal Liable
Fine Arts
Service Interruption (Physical Damage)
Dies, Moulds and Patterns
Industrial Stones ans Precious Metals
Work Damage to Stock
Inventory Preparation Costs
Penalties for Non-Delivery From Insured Loss – Aggregate Limit
Peak Season Increase (+25% of “stock value” up to maximum
Personal Property of Officers and Employees Includes Employee Tools and Equipment of $1,000 per Person and $25,000 aggregate
Installation Floater
Unscheduled Equipment and Tools
Building Damage by Theft
Computer Systems Breakdown
Production Machinery Software Erasure – Aggregate Limit
Unnamed and Temporary Locations
Courier Shipments and Parcel Pos
Other Transit (including aircraft and watercraft)
Sales Representative
Exterior Signs including Street Clocks, Communication Towers, Antennae and Satellite Receivers
Fire Department Service Charges
Fire Equipment Recharge
Professional Fees
Debris Removal
Lock and Key Replacement
Accounts Receivable
Valuable Papers and Records

Extra Expense
Expediting Expenses
Small Computer Floater
Commercial Condominium Unit Owner Rider
Unit Improvements and Betterments
Loss Assessment
Equipment Breakdown (Boiler)
Business Interruption – The Manufacturer Connection Extended Business Income Form (Profits)
Interruption by Civil Authority for Insured Premises or Adjacent Premises ( 4 Consecutive Weeks)
Service Interruption for 90 Consecutive Days (48 hour Waiting Period)
Contingent Business Interruption for 90 Consecutive Days (Customer/Suppliers in Canada or Continental U.S.A.)
Extra Expense
Expediting Expense
Ordinary Payroll (90days)
Retailer Product Impairment (60 Consecutive Days)
Newly Acquired Locations (60 days)


Employee Dishonesty
Loss Inside The Premises
Loss Outside The Premises
Money Order, Counterfeit Paper Currency
Depositors Forgery
Credit Card Forgery
Securities In Safe Deposit Boxes
Expense of Preparing Inventory or Audit


Commercial General Liability
Bodily Injury and Property Damage
Products and Completed Operations
Advertising Injury
Personal Injury
Occurrence Basis Property Damage
Employees as Additional Insured
Contingent Employers Liability
Medical Payments per person
Cross Liability
Attached Machinery and Equipment
Tenants Legal Liability
Vendors Liability Extension
Products Recall Expense Extension
Specification Errors & Ommission Liability
Non-Owned Automobile
Legal Liability for Damage to Hired Automobiles