Businesses that retail baked goods, including retail bakeries that bake on the premises (U.S. Census NAICS 445291).
U.S. Census NAICS 445291: Baked Goods Retailers
What can go wrong for bakeries?
- A customer who gets sick or has an allergic reaction.
- An oven fire or equipment breakdown that halts production.
- A slip and fall in the shop.
- Spoiled inventory after a power outage or breakdown.
What insurance does a bakery need?
Bakeries typically carry general liability, product liability for the food sold (allergens are a real exposure), commercial property for ovens and equipment, equipment breakdown and spoilage coverage, and workers compensation once staffed. If you deliver, commercial auto applies too.
What does Georgia require?
Georgia requires workers compensation at three or more employees (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)).
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
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