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Safety and Loss Control
Our Recipe for Insuring Your Bakery Café
Although your mix of menu items is as unique and varied as your list of customers, you probably share a number of insurance concerns with other bakery cafés. Here are some answers to common questions in your kind of business, along with some ways we can partner to protect you and your shop. When you’re ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your Worries | The Solutions | |
| What you think about | How you can help yourself | How Nationwide can help |
| If the bakery needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and my bills? | Review our Disaster Planning Guide for Small Businesses | Business Income Coverage |
| What if a customer gets hurt in my café? | Review Preventing Slips, Trips and Falls Safety Bulletin |
General Liability Coverage Umbrella Coverage |
| What if an employee burns himself on an oven or hurts his back lifting heavy boxes or bags of supplies? |
Review our Safe
Lifting Guidelines Safety Bulletin Review Proper Food Handling and Storage Safety Bulletin Review Cut and Burn Prevention Safety Bulletin | Workers Compensation Coverage |
| What if a customer chips a tooth or chokes while eating my food? |
Review first aid training with your employees Hang posters describing the Heimlich maneuver in an easy to see location Review Restaurant Customer Complaint Guidelines | General Liability Coverage |
| What if my electricity goes out and my ingredients spoil? |
Purchase a backup generator Review Electrical Safety for Small Businesses |
Spoilage Coverage Business Income Coverage |
| What if my refrigeration equipment breaks down? |
Refrigeration maintenance contracts Preventive maintenance | Equipment Breakdown Coverage |
| What if one of my delivery trucks gets into an accident? |
Review Accident
Procedures Safety Bulletin Review Business Autos for Personal Use Safety Bulletin Review Driving in Adverse Road Conditions Safety Bulletin Review Vehicle Skid Avoidance Safety Bulletin Review Driver Distraction Safety Bulletin | Business Auto Coverage |
| What if a power surge damages my computers and I lose important records? |
Offsite backups Fireproof safe Review Electrical Safety for Small Businesses | Electronic Data Processing Coverage |
| What if one of my employees steals from my business? |
Review Employee Theft
Safety Bulletin Review Hiring Practices/Employee Selection Safety Bulletin Establish an inventory control process Create procedures on handling cash Set up video surveillance | Employee Dishonesty Coverage |
| What if the shop is robbed or vandalized? |
Review our Crime
Prevention Tips Install video surveillance | Crime Coverage |
| What if a fire destroys my accounting records? |
Review Fire
Extinguisher Selection and Use Safety Bulletin Back up your files and keep the copy off site | Accounts Receivable Coverage |
| What if my outdoor sign is damaged in a storm or vandalized? |
Maintain proper lighting Make sure your landscaping and outdoor sign receive regular maintenance Purchase a sign made to withstand local weather conditions | Outdoor Signs Coverage |
| What if a supplier’s business is damaged and can’t fill my orders? | Have a contingency plan in place for critical products | Business Income from Dependent Properties Coverage |
| What if a customer has an allergic reaction to one of my products? |
Post a sign listing the ingredients in your pastries Review Food Allergens Safety Bulletin Review Restaurant Customer Complaint Guidelines | General Liability Coverage |
| What if someone throws rock through my café window? | Exterior Building Glass Coverage | |
| What if a customer slips and falls on a wet floor? | Review Preventing Slips, Trips and Falls Safety Bulletin | General Liability Coverage |
Did You Know?
By 2012, the U.S. bread and rolls market is forecast to have a value of
$14.2 billion.
– Datamonitor Industry Profile
Want to know more?
Find
a Nationwide Insurance® agent
Did You Know?
24,000 independent bakers and 20,000 in-store bakeries generate $18
billion in sales a year.
– Retailer’s Bakery Association
Want to know more?
Find
a Nationwide Insurance® agent
