Do I need insurance to sell cakes from home UK?

It depends on your business and the particular risks you face, but most cake makers and decorators do choose to take out public and product liability insurance. This cover can protect you if your business or products cause an injury, or damage to a person or their property.

Do I need insurance to sell homemade cakes?

Even if you run your business from home, public liability insurance is still important. If a customer or delivery person visits your home to collect a cake and trips over a loose wire in your hallway, resulting in an injury, they could make a claim against you.

Do I need a license to sell cakes from home UK?

You need to register as self-employed when starting a food business, even if you are part-time or have another job. You should register at GOV.UK to verify your account and confirm the specifics of your food business. Failure to register may result in a fine.

What insurance do I need for home baking?

Public liability's considered an essential cover if you're dashing around delivering your baked goods to customers - and if you employ anyone, you'll need to think about employers' liability too.

What insurance do cake makers need?

Product Liability Insurance

If a customer comes across an issue as a direct result of your products, you could be liable for paying legal costs if a claim is pursued. With the correct insurance, you will be covered for any product related issues and won't have to worry about extensive legal costs.

How to start Home Bakery Business in 2024 (the ONLY video you need to start getting orders ASAP)

What do I need to start a cake business from home UK?

Do you need public liability insurance to sell cakes?

A simple lapse of concentration in what you are doing could lead to an injury or damage to a third-party. While delivering a celebration cake to a birthday party, you might have someone trip over your bag or equipment and injure themselves. This is why public liability insurance is vitally important.

Do I need public liability insurance for a hobby?

Regardless of what you craft, you will likely benefit from having public liability insurance. We cover a wide range of crafts which many other providers do not. These include, but are not extensive to: Cosmetics, such as Bath and Shower Products.

Do I need product liability insurance UK?

Product liability insurance isn't a legal requirement, but you may find that manufacturers, suppliers, distributors or retailers you work with will require you to have it. On top of that, if you are found liable for injury, damage or death caused by one of your products, you can be sued.

What equipment do you need for a baking business?

Always look for quality bread pans, muffin tins, cake pans, etc. In addition to necessities like spatulas, spoons and mixing bowls, you'll also need pastry knives, icing tips and flour sifters. It's wise to make a list so nothing is forgotten.

Can I sell cakes from home as a hobby?

Unfortunately, it's not quite a piece of cake when it comes to flogging your sweet treats from home. There are food hygiene regulations to consider – and you'll likely need to take a Level 2 Food Safety Course before you can sell a single slice from your front door.

Can I run a cake business from home UK?

You are likely to need the 'caterers' option if you are starting a cake business from home. You will need to register (probably as a sole trader initially) with HMRC.

How do I legally have a bake sale UK?

Do I need a food hygiene certificate to make and sell cakes?

If you are making money from the food you have made at home and you have registered as a business, then the answer is yes. This is because your customers need to know that they will be kept safe.

Can I bake at home and sell?

Most home bakers sell their goods onsite at events like farmers markets and county fairs. Check your local and state regulations for where you can and can't sell home-based bakery goods. You may (depending on state regulations) also be able to sell your baked goods online or through social media.

How much is product liability insurance for a small business UK?

The average annual cost for standard PL insurance in the U.K. runs about £118 for small businesses but can be significantly higher for those operating in high-risk fields. Public injury claims in the U.K. can cost upwards of £100,000 in some extreme cases, though most fall between £10,000 - £20,000.

Can you work without liability insurance?

Public liability insurance is not a legal requirement. However, having a policy will place you in a stronger position if a claim is brought against you.

How much product liability insurance should I have?

It's up to you to decide how much product liability insurance you need, based on the products you sell and the possible size of any compensation claims. Most insurers offer between £1 million and £10 million of insurance, which usually includes both public liability and product liability cover.

Do I need insurance to sell handmade crafts UK?

As touched on above, you do not legally require public and product liability insurance to sell at a craft stall. However, it is a good idea. If, for example, a member of the public trips over your stall and becomes injured, this cover will protect you.

What insurance do I need for a craft stall?

Public liability insurance for craft fairs and craft stallholders is incredibly important, as it covers you against any liability or claims made by the public in connection with your craft fair.

Can I get public liability insurance for one day?

One Day Event Public Liability Insurance. Even if you're running a one-day event for colleagues, friends, family or the public, it's always worth taking out public liability insurance for one day.

Can I sell cakes from home without a license?

Your home will need to be registered with the Council as a food business. This is free, and there is only one simple form to fill in, but it is a legal requirement and you can be prosecuted if you do not register before starting.

What license do I need for cake business?

If you're planning on serving food (including baked goods) to the public, you'll likely need a Food Service License. This license ensures that you're following all of the local health and safety regulations for preparing and serving food.

Can I sell cakes on a stall?

You will need to obtain a licence from your local authority to operate a food manufacturing business. In addition, you will need to register with your local authority if you intend to regularly sell food products at a market stall.

Can you bake at home and sell to public UK?

Food law requires that you register as self-employed, and register your business if you sell or give away food for free on a regular basis. This should be done at least 28 days before you open for business – and can be done in a matter of minutes, online.