Why do I need public products liability insurance for my cake and biscuit company?

To all of our cake and biscuit extraordinaires!

Do you sell your goodies outside of the markets as well?

AUZi are now offering you an insurance policy dedicated to ‘Cake & Biscuit Makers.’ This cover not only covers your market stall, but also any sales you make from home and online!

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Why do I need public products liability insurance for my cake and biscuit company?

If you, or your company provide a service to your clients, you may need public and products liability insurance. When operating from your stall and from your home kitchen, there are many possible scenarios that you may be accountable for.

Claim Scenario 1

It’s smack bang in the middle of wedding season and a lovely wife to be decides great grandma Pat will be picking up the wedding cake from your home kitchen. Old Pat arrives half an hour early to pick up her three tier red velvet cake. You haven’t had enough time to pick up your son Dylan’s toys and poor Pat ends up tripping over Thomas the tank engine on her way through to the kitchen! You are sued and hit with a legal bill of $100,000. Thank goodness you have cake and biscuit maker insurance with AUZi, which covers such claims.

Claim Scenario 2

It’s market day and your launching your latest and greatest chocolate and caramel swirl fudge brownies! Labels are slapped across the front of each package – claiming a nut free product. Little did you know, your junior Sarah used the same utensils to make peanut butter fudge for the job before. Before you know it, one of your customers is in hospital suffering from a severe allergic reaction to nuts. In court you are ordered to cover not only your own legal costs but your customers as well, along with their hospital bill. Thankfully you have cake and biscuit maker public & products liability insurance, which covers the bill.

cake-268x300 Why do I need public products liability insurance for my cake and biscuit company?

What exactly am I covered for?

AUZi Public & Products Liability Insurance covers you against claims for accidental injury and/or damage that may occur during the running of your business. This AUZi insurance package will cover up to 6 employees (even subcontractors), giving you the peace of mind that you’re covered, so that you can get on with your work.

Please keep in mind – to be covered by AUZi, you and your company must comply with the council and health department requirements in your local area. Consult with your local authority today as these conditions do vary from each council.
How much will it cost?

Limit $5M $10M $20M
Cost per year $306 $383 $460
 

Insurance

Insurer: Berkley Insurance Australia
Excess:  $500
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