Bakery Insurance

Yes. Equipment breakdown cover is available as part of a bakery insurance package and covers mechanical and electrical failure of ovens, refrigeration, mixers and other plant. It typically includes the cost of repair or replacement plus any stock spoilage resulting from the breakdown.

Yes. Products liability is a standard inclusion in most commercial bakery policies and covers claims arising from illness, allergic reactions or injury caused by your baked goods. Cover is typically provided at $10M to $20M. Given the increasing prevalence of allergen-related claims in Australia, this cover is essential for any food business.

Business interruption insurance covers the loss of gross profit while your bakery is closed for repairs following an insured event such as fire. It also covers additional working costs like temporary premises hire and expedited equipment delivery. The indemnity period should be long enough to cover a full rebuild, typically 12 months.

Yes. Most bakery policies include spoilage cover for refrigerated and frozen stock lost due to equipment breakdown or power failure. Check your policy for any sub-limits on spoilage claims, as some insurers cap this cover at a set dollar amount.

Your commercial motor vehicle insurance covers the vehicle itself, while goods-in-transit cover protects the stock being transported. Both should be reviewed as part of your overall bakery insurance package. If you use a personal vehicle for deliveries, your private motor policy may not cover commercial use.

Major commercial insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG all offer policies suitable for bakeries. Each insurer has different appetites and pricing. Shielded compares options across this panel to find the most competitive cover for your bakery.

Yes. Public liability insurance, which is included in bakery insurance packages, covers claims from customers who are injured on your premises. Slip-and-fall claims are among the most common liability claims for retail food businesses in Australia.

Commercial property insurance covers a wide range of property types including office buildings, retail shops, warehouses, factories, shopping centres, hotels, motels, restaurants, cafes, medical centres, child care centres, gyms, salons, laundromats, churches, petrol stations, mixed-use developments and more. Whether you own a single tenancy or a multi-storey complex, we tailor cover to match your property.

Premiums vary based on building value, location, construction type, tenant occupation and risk profile. A small retail shop may cost $1,500 to $4,000 per year, a standard office building $3,000 to $10,000, and a large warehouse or industrial property $5,000 to $25,000+. High-risk tenancies (restaurants, manufacturing) attract higher premiums. Request a free quote through Shielded for an accurate indication.

Commercial building insurance covers the physical structure including walls, roof, floors, fixed fixtures, common areas, car parks, fencing and services (electrical, plumbing, HVAC) against fire, storm, flood, impact damage, malicious damage, theft and accidental damage. It typically also covers demolition and removal costs, professional fees (architects, engineers) and compliance with current building codes when rebuilding.

If you own a commercial building and lease it to tenants, you need commercial landlord insurance. This covers the building structure, landlord's contents (common area furnishings, HVAC systems), public liability for common areas, loss of rental income if the building is uninhabitable after an insured event, and plate glass. Your tenants are responsible for insuring their own contents, stock and fit-out.

Loss of rental income (also called business interruption for landlords) provides replacement income if your commercial property becomes uninhabitable after an insured event such as fire, storm or flood. It covers the rental income you would have received during the repair or rebuild period, typically for up to 12 or 24 months. This is essential for property investors who rely on rental returns.

Plate glass cover is usually an optional add-on, not included in the base building policy. It covers the cost of replacing glass shop fronts, windows, doors, display cases and signage glass that is accidentally broken or vandalised. For retail properties with large glass frontages, this is an important cover to include.

Generally, the landlord insures the building structure, common areas and landlord's fixtures. Tenants are responsible for insuring their own contents, stock, fit-out, trade fixtures and their own public liability. Most commercial leases clearly define these responsibilities. As a landlord, ensure your lease requires tenants to hold adequate insurance and provide certificates of currency.

Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after damage occurs, documenting everything with photos, securing the premises to prevent further damage, and keeping records of all emergency repair costs.

We compare quotes from leading Australian commercial property insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz, AIG and others. The best insurer depends on your property type, construction, tenant occupation and risk profile. As brokers, we do the comparison work to find competitive and suitable cover for your property.

Review your policy annually at renewal, or whenever there are significant changes such as new tenants, renovations, extensions, changes in building use, or updated valuations. Building replacement costs increase over time - if your sum insured does not keep pace with construction cost inflation, you risk being underinsured at claim time. We recommend a professional building valuation every 3 to 5 years.