Professional baker insurance
As a baker, it is your duty to protect your professional activity. As you are required to work with valuable materials and equipment and with fresh products, you must know how to anticipate the many occupational risks to which you are exposed. Indeed, as you are in permanent contact with your customers, you must be aware of the challenges of this profession, just like other gastronomic professionals. In order to help you prevent risks and exercise with confidence, we have reviewed the essential professional insurance for bakers.
The profession of baker
The activity of baking consists of making ordinary bread, specialty breads and pastries such as baguettes, wholemeal breads, croissants and brioches. Occasionally, the baker can also prepare pastries such as cakes, quiches and pizzas. This is a job that is practiced day and night, weekdays and weekends. Most of the time, the baker works in a bakery where he has to follow the steps of preparing the bread. He can also exercise his activity on tour in neighboring villages. Many people deliver bread directly to customers.
First, the baker must select the flour and the ingredients. Once this step is done, he must manufacture and cook the products while respecting the rules of hygiene and food safety. Its objective is to meet the needs of its customers while keeping an eye on consumer trends and organizing its work from start to finish. The related trades are as follows: pastry chef, miller, manufacturer of front products for bakery and catering.
Finally, to be a baker, you must have at least the baker's CAP. In most cases, bakers also have a BAC Pro Boulanger Pâtissier, a professional certificate or a master's certificate.
The risks of the baker's profession
Pastry bakers are exposed to many occupational risks. Between work accidents related to the handling and handling of products and respiratory and allergic conditions, there is also a risk of falls and slips. Apart from these risks, the baker's activity is exposed to the risk of exposing its customers to food poisoning during the preparation of various fresh products.
At any time, you may encounter a loss in your business, on the road or as part of a delivery. Sometimes one of your customers is injured in your bakery and sustains personal injury or property damage. It can also happen that your cold room breaks down and causes food poisoning. Finally, it can also happen that your professional equipment such as your oven, your refrigerated display cases and your kitchen equipment break down or be damaged by a breakage of equipment.
Good to know: the baker's activity is regulated in France, but RC Pro insurance is compulsory only if you also offer an on-site catering service such as a tea room, a catering service, ...
Professional insurance that you must take out
RC Exploitation insurance
This insurance allows you to be covered if one of your customers falls or is injured in your store. It covers bodily injury and material damage, this guarantee is included in the RC Pro and the professional multi-risk.
Professional liability insurance
Imagine that your cold room breaks down and your pastry cream spins. In the event of food poisoning, your professional civil liability will be incurred. With the professional liability guarantee, you will be able to exercise serenely, because your civil liability will be covered. You won't have to spend a fortune to compensate the victim (s).
Insurance of premises
A fire can quickly happen. When a disaster occurs, the property damage can be very serious. Business premises insurance covers the risk of loss and damage to your kitchen equipment such as your oven and refrigerated display case. Your premises, equipment, materials, professional furniture and goods may be covered by this contract. Also consider taking out equipment breakage insurance.
Professional vehicle insurance
The minimum to subscribe according to the law is the guarantee of civil liability. Be careful, however, because this insurance can only cover damage caused to third parties in the context of an accident. To benefit from optimal protection during your trips and deliveries, it is advisable to take out comprehensive insurance
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