Insurance for bakers​

From $24/month. Broad cover for food poisoning, fire, & more.

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Get Singapore's best insurance for your bakery. Broad cover for food poisoning, fire, worker injuries, & more.

As a baker, your clients trust you to deliver delicious baked goods, all dished out with great service. However, if your baked goods result in food poisoning, bakery owners can face serious litigation issues. With all the work around hot ovens and sharp knives, bakery staff can suffer cuts and burns. Bakeries also have lots of expensive baking equipment that are costly to replace/repair if they become damaged.
WIth Provide, you can tailor a bakers insurance policy that protects you, your employees, your customers, and the premises/equipment you use.

What insurance do bakers need?



Importance for bakers

Public Liability Insurance, with Food Poisoning Cover

Protects you against liability to third-parties for property damage or injuries.

Also covers food poisoning liability.


Commercial Property Insurance

Protects your bakery shop against property damage, e.g. fire, explosions, certain types of water damage, etc.


Work Injury Compensation Insurance (WICA Insurance)

Protects your employees if they suffer work-related injuries/sickness.

Legally required for all manual workers (e.g. bakers, cooks, etc.), or workers who earn <$2,600/month

Business Interruption Insurance

Pays cash benefit if your bakery cannot operate due to covered risks, e.g. fire.

Good to have

Foreign Worker Medical Insurance

Protects your business if your foreign workers require medical treatment.

Legally required for all S-Pass and Work Permit holders

Can you cover home bakers?

Yes. If you’d like home bakers insurance, we can certainly provide coverage. Simply fill in the contact form at the bottom of the page, and we’ll send you a quote within 24 hours. 

How much coverage do I need for my bakery?

  • Public Liability Insurance, with Food Poisoning Cover: The bare minimum an average bakery should have is $250,000.
  • Commercial Property Insurance: The bare minimum an average bakery should have $100,000.
  • Work Injury Compensation Insurance: You should insure all your employees. You are legally required to purchase Work Injury Insurance for all manual workers. Examples of manual workers include bakers, bakery assistants,  and cleaners. You must also purchase this insurance for all workers who earn below $2,600/month. However, don’t just stop there – it’s recommended to carry Work Injury Insurance for all your employees, even non-manual workers like cashiers.
  • Business Interruption Insurance: Consider having at least $50,000 coverage. Calculate how much gross profit you’d lose if you can’t operate your practice for 3-6 months. Ensure you can cover at least that amount.
  • Foreign Worker Medical Insurance: You must purchase Foreign Worker Medical coverage for all foreign workers (S-Pass and Work Permit holders, only). Coverage is a minimum of $15,000 per foreigner.

How much does Bakers Insurance cost?


Coverage amount (example)


Public Liability Insurance, with Food Poisoning Cover


From $24/month for a Bakers Insurance package

Commercial Property Insurance


Work Injury Compensation Insurance (WICA Insurance)

$10 million common law annual limit

$45,000 medical expenses cover per worker

Business Interruption Insurance


Foreign Worker Medical Insurance

$15,000 per worker

From $6/month, per worker

Why use Provide for Bakers Insurance?

Provide gets you tailored online quotes for bakers insurance, at the lowest premiums. 

  • Save up to 25% on your premiums

  • Save time with our convenient online platform to get quotes, file claims, and manage policies 

  • Expert insurance team with 20+ years experience serving both SMEs and large multinational firms

  • Available by phone 7 days/week

Get comprehensive Bakers Insurance from $24/month. Speak with our experts today!

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