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These manufacturers mass-produce baked goods, such as cakes, pies, cookies and bread, which are distributed to retailers of baked goods. Their activities include the use of ovens and other machinery for ingredient mixing and baking, assembly of specialty baked goods, packaging and delivery. Baked goods may be manufactured along with other food products made by the same corporation.

General Liability Insurance for Bakery Products Manufacturing – Loading and unloading areas may be subject to outside delivery drivers and should be maintained and free of slip and fall hazards. Slip/trip/fall hazards can be reduced by a number of common sense practices. Good housekeeping requires visitor areas to be neat and orderly, free of obstructions and debris, and prompt clean up of spills and/or posting or “wet floor” warning signs. If a retail store is located on site, the premises liability risks will be increased. Products liability risks are a concern for bakery products manufacturing when food is made or processed. All work areas involving food products should remain sanitary at all times. Procedures should be in place to properly date and rotate foods in order to prevent spoilage. Bakery product manufacturers should adhere to FDA requirements. 

Workers’ Compensation Insurance for Bakery Products Manufacturing – Employees may be burned when using ovens and baking equipment. Spills may occur when mixing liquid ingredients, which may result in slip and fall hazards. Floors should be covered with non-slip mats and spills should be cleaned up immediately. Injuries may also occur to employees while lifting heavy objects. Automated machinery used in bakery products manufacturing should have safe guards and the use of personal protective wear should be required. Lockout/tag out procedures must be followed for all cleaning and maintenance of machinery. Training programs should be implemented to ensure safety of all employees.

Business Auto Insurance for Bakery Products Manufacturing – Delivery services of baked goods to retail stores is the major cause of business auto liability in bakery products manufacturing. The radius and frequency of deliveries can affect the risk. Auto risks increase when the radius of travel exceeds 50 miles. If deliveries are made during busy traffic hours, then risks are even greater. A driver recruitment policy should be in place and MVRs should be run prior to hiring. Driving records must also be checked every year and disciplinary action should be taken for unacceptable driving. Vehicles should run properly and be serviced often. Documentation of repairs must be recorded on file.

Property Insurance for Bakery Products Manufacturing – Fire is a major hazard in bakery products manufacturing plants. The age and construction type of the buildings are primary risk factors fir fire. Buildings over 20 years of age that have not been updated with new wiring and electrical systems are at higher risk. Buildings that are constructed from fire restive and masonry non-combustible materials will have a lower fire risk. Food products are very susceptible to fire, smoke, and water damage. A total loss could result in the event of a fire. All baking equipment and machinery must be inspected regularly to ensure proper working order. The use of cooking oil and/or grease will add to the fire potential and should be used with caution. Shut off valves should be included on any cooking equipment that uses fuel. Smoke detectors and fire restraining systems should be in place. Food products that are finished and ready for delivery should be stored away from the baking and cooking areas in order to prevent a total loss during a fire. Baked goods should be properly secured on the delivery trucks in order to prevent damage, contamination, or loss while in transit and reduce Inland Marine claims.

Crime Insurance for Bakery Products Manufacturing – Employees may steal or eat the baked goods while employed in bakery products manufacturing.  Surveillance cameras should be used to prevent employee theft and inventory audits should also be performed often. Money and securities may be stolen if drivers collect money during delivery. Employees who handle money should be screened with background and reference checks as a result.