Do you need public liability insurance to sell cakes?

Even if you view your cake business as a hobby, if you sell to the public, it's important to have insurance. If the wedding cake you've made gets damaged in transit or a customer becomes ill after eating one of your creations, you could face some very unhappy clients and a compensation claim.

Do you need public liability insurance for a cake business?

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.

What insurance do I need to sell cakes?

The two main types of insurance that you will require are Public Liability Insurance and Product Liability Insurance.

Do you need liability insurance to sell food?

Food manufacturing or preparation can involve several stages with a wide range of potential risks. Product liability insurance covers you and your business against any legal claims of injury or damage, whether you're involved in the production, sale or delivery of a food product.

Can I bake cakes at home and sell them?

Register your premises

Another regulation when you're starting your cake business is that you're required to register your premises with the local authority's environmental health service at least 28 days before you start trading. This doesn't cost you anything and your registration can't be refused.

DO YOU NEED PUBLIC LIABILITY INSURANCE TO SELL ON AMAZON

Do I need a Licence to sell homemade cakes?

You will need to do the following to be permitted to make money by selling your baked goods from home: Register your business with your Local Authority. Take the relevant training for food hygiene at home. Prepare your home kitchen for a visit from the Environmental Health Officer (EHO).

Do I need insurance to sell cakes from home?

Whether you're baking baguettes or perfecting pastries, chances are you'll face a number of common business risks. 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.

Is it illegal to not have public liability insurance?

Am I breaking the law if I don't have it? There is no law that requires your business to have public liability insurance.

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 legally need liability insurance?

Again, you are not legally required to have public liability insurance. However there are circumstances where you will still need it. If you employ anyone, you will need employers' liability insurance.

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 sell cakes from home without a license 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 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.

What happens if a business does not have public liability insurance?

If you have no Public Liability Insurance in place and you must pay out in the event of a claim will mean that all compensation comes out of your business' bank account and directly from your bottom line. Having insurance in place gives you financial protection in the event of an accident happening.

Do you need public liability insurance for a birthday party?

There is no legal requirement to have public liability insurance for a private party, but it is recommended – even if the party is being held at your business premises. If you are hiring a venue, they may require you to have insurance protection as part of their terms and conditions.

Do I need public liability insurance if I'm a sole trader?

Some sole traders think that their business is too small to worry about insurance but this couldn't be further from the truth. Small businesses often face the same risks as much larger companies and Public Liability insurance is almost always needed; whatever size business you run.

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 to run a cake business from home?

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 you need public liability insurance 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.

How much does public liability insurance cost UK?

The average cost for public liability insurance with AXA is £4.94* a month. It's important to note that working out the cost of public liability cover for each policy depends on several factors, such as your occupation, where you're working, how many staff you have and your annual turnover.

How much should public liability insurance cost?

Public Liability Insurance Cost: All You Need to Know in 2023 Public Liability Insurance usually ranges from £56 to £481 annually, with the average being £119 a year. Public liability insurance is one of the most significant covers a business can acquire.

What is the minimum public liability insurance UK?

Your clients and contracts

Some clients will stipulate a particular level of cover from the businesses that they work with. This is often the case with government and local authorities who will usually require their suppliers to have at least £5 million of public liability cover.

How do I legally have a bake sale UK?

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.

Do you need a hygiene certificate to sell cakes?

The Environmental Health Officer that visits will decides your food hygiene rating and whether you are ready to serve food to the public. Do I need a food hygiene certificate to sell cakes? If you are selling your cakes on an ad-hoc basis, then you do not need a food hygiene certificate.