We provide liability insurance for cake makers and decorators across the United Kingdom with great deals on public liability insurance starting at £43.25 per annum for a £1M limit of indemnity.
The liability insurance policy for cake decorators includes
- Public Liability Insurance
- Product Liability Insurance
as standard and can be extended to cover your business tools and cash for a small additional premium.
This premium indication is based upon oner person, experienced in the business and with no previous claims.
As a cake maker or decorator, the product liability insurance is of particular value to you and you should ensure that any policy you have in respect of your business activities includes this aspect.
Whilst the standard public liability policy covers you in respect of claims made against you for third party personal injury or property damage this only relates to alleged incidents occurring whilst you are undertaking your work. It is the product liability cover that protects you in respect of claims made against you arising from the sale or supply of the product.
The insurance is subject to a third party property damage excess of £250, you can obtain a quote with a £100, but there is a cost implication on the premium. The polciy excess is the amount of contribution you will have to make toward any claim.
If as a business you have any employees, you will be required at law to carry employers liability insurance. This also applies if you are a limited company with two directors working in the business. The cover is not expensive and may be easily added to your standard public liability policy.
To obtain your personalised quote for cake decorators liability insurance apply on-line or call us directly to speak to member of our broker team who will be delighted to help you.