In order to determine which type of bakery insurance would be suitable for your business the first thing you need to consider is the equipment that you rely on on a daily basis. Ovens, fridges and cookware rarely come cheap, and as a baker your business could be jeopardised if one of them breaks. If you own a number of bakeries it is therefore essential that you know each piece of equipment in your stores is covered should the worst happen. Furthermore, if your equipment is beyond repair your insurance policy will pay to replace it, allowing your business to carry on as normal.