Bakery Business Insurance for Delivery and Catering Services
- Feb 11
- 2 min read
Many modern bakeries expand beyond storefront sales by offering delivery and catering services. Whether you’re delivering fresh donuts to local offices or catering weddings and corporate events, these added services increase both revenue and risk. Having the right bakery business insurance for delivery and catering services ensures your operations stay protected on and off site.
Why Delivery and Catering Increase Risk
When your bakery begins delivering products or catering events, your exposure grows in several key areas:
Auto accidents involving company or employee vehicles
Food spoilage during transport
Property damage at event venues
Customer injury claims at off-site catering locations
Standard bakery insurance policies may not automatically cover these exposures. It’s important to review and update your coverage as your operations expand.
Essential Insurance Coverage for Delivery and Catering
If your bakery owns delivery vehicles, commercial auto insurance is essential. Personal auto policies typically exclude business use. Coverage should include liability, collision, and comprehensive protection. If employees use personal vehicles for deliveries, you may also need hired and non-owned auto coverage.
For more guidance on commercial auto requirements, bakery owners can review information provided by trusted resources like the Insurance Information Institute (III).
General liability protects against third-party bodily injury or property damage. If a catering guest slips near your serving table or claims food-related illness, this coverage can help cover legal and medical costs.
Since you are serving food off premises, product liability coverage is critical. It protects your bakery if a customer alleges illness or contamination linked to your baked goods.
Transporting display cases, warming units, or specialty equipment to catering events requires protection. Inland marine coverage helps insure items while in transit.
If a vehicle accident or equipment damage disrupts your ability to fulfill catering contracts, business interruption coverage can help replace lost income.
Why Choose Wexford Insurance
Expanding into delivery and catering shouldn’t leave your bakery exposed to unexpected claims. Wexford Insurance understands the unique risks bakery owners face and offers:
Customized insurance packages for delivery and catering operations
Flexible coverage options tailored to small and growing bakeries
Assistance meeting venue, contract, and landlord insurance requirements
Fast, competitive quotes with personalized service
Whether you operate one delivery van or cater large-scale events, Wexford Insurance can design coverage that protects your revenue and reputation.
👉 Request a free bakery insurance quote from Wexford Insurance today and ensure your delivery and catering services are fully protected.
