Insurables — Australian business risk, sourced and dated

Bakers: insurance and scheme requirements

Production and retail of baked goods, with allergen and labelling obligations.

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Cover commonly held

Ordered by how central each cover is to this occupation. This is what businesses in the trade commonly hold and what contracts commonly ask for — it is not a statement that any of it is legally required, and it is not a recommendation.

  • Public liability insurance — Cover for legal liability to third parties for personal injury or property damage arising from business activities.
  • Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.
  • Business pack insurance — A packaged policy combining property, liability and interruption sections for small business.
  • Business interruption insurance — Cover for lost income and additional costs when insured damage stops a business trading.
  • Products liability insurance — Cover for legal liability arising from goods a business sells, supplies or installs, usually written alongside public liability.
  • Machinery breakdown insurance — Cover for sudden mechanical or electrical breakdown of plant, refrigeration and fixed machinery.
  • Commercial glass insurance — Cover for shopfront and internal glass, signage and associated damage after a breakage.
  • Money insurance — Cover for cash and negotiable instruments on the premises, in transit and in the custody of a person.
  • Product recall insurance — Cover for the cost of withdrawing a product from the market and the associated loss of income.

Statutory schemes that can apply

Checking what you hold

The document a principal, a landlord or a licensing team will ask for is a certificate of currency. The checker reads one and lists what it does and does not show.

Sources