Leading Bakery Insurance San Diego, California

General Liability Coverage

These policies help you cover medical expenses and attorney fees for third-party liability claims. It can help cover claims for bodily injury or property damage that your business causes, advertising injuries, and damages to the rented property.

Workers’ Compensation

This type of policy provides a portion of wage replacement, medical benefits, rehabilitation, and death benefits to employees injured on the job. This coverage also protects your small business because the employee who receives the benefits cannot sue you for lost wages or injuries.

Business Owners’ Policy

It combines the 2 coverages: general liability policy and business property coverage. This policy is a good choice for small and medium bakeries – it represents a simplified approach to small business insurance.

Commercial Vehicle Insurance

This insurance covers vehicles used for business purposes, including food trucks, cars, box trucks, pickup trucks, and service utility trucks. You will avoid paying out of pocket for repairs, injuries, and more.

Commercial Property Insurance

This policy covers your business premises if damaged by fire or natural disasters. The insurance company will usually insure your inventory, furniture, equipment, and the building itself. It may even cover losses in case of vandalism and theft.

Food Spoilage Policy

It is highly advisable to add a food spoilage policy to your home bakery insurance and commercial bakery insurance because it can help replace your food in case of a covered peril, like a power outage caused by a lightning strike or a windstorm.

Equipment Breakdown

This policy covers replacing or repairing the damaged equipment, lost income, spoiled inventory, and all the necessary expenses incurred during the restoration period.

Cyber Liability Coverage

It protects small businesses from the high cost of a data breach or malicious software attack. Usually, small businesses have weak cybersecurity, which makes them vulnerable. This policy will pay for credit monitoring, fines, attorney’s fees, and other costly expenses.

Business Interruption Insurance

This insurance covers the loss of income that a business may suffer after the disaster. The disaster-related closing of the business can result in lost revenue you would have earned during that time and covers the ongoing business expenses while you are closed.

Employee Dishonesty Coverage

One of the key coverages provided in a commercial crime policy protects you from financial losses due to employee theft of money, securities, or property.

Inland Marine Insurance

Despite its funny name, this type of insurance helps cover damage done to any equipment or tools that you move from place to place outside your main location. For example, this coverage would protect the damage of the food carts, trays, and warmers if your bakery has a catering operation.

Disability Insurance

If the employee cannot work due to the illness or injury for an extended period, the disability insurance will pay a portion of the employee’s income. It will protect you and your loved ones, who may depend on your ability to earn a paycheck. It is mandatory in California and few other countries.

Umbrella Coverage

It adds another layer of protection; it covers all the costs that exceed the limits of another policy. Without the umbrella policy, you may be responsible for anything over your policy limit.