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Small Business Insurance for Bakeries
Bakeries are often at the heart of our communities – a place to buy daily bread, family treats and run into neighbours and old friends. TD Insurance knows you offer more than just fresh bread and tasty sweets – allow us to customize an insurance plan just for you and your small business. Get the protection your bakery needs.
Speak to a licensed TD Insurance Advisor 1-855-724-2883
Why You Need Bakery Small Business Insurance
TD Insurance Savings Commitment
With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today.1
Bakery Insurance is recommended for:
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Retail Bakery
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Bread Shop
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Home-Based Bakery
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Cupcake Shop
Coverage Options for Bakeries
It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.
Claim Scenarios for Bakeries
Potential Claim:
One of your customers purchases scones from your bakery and gets an upset stomach. Your customer is claiming that your product gave them food poisoning and is seeking compensation.
Potential Outcome:
Your commercial general liability policy may cover any related legal fees and the related medical expenses incurred by the customer if you are found liable.
Potential Claim:
You arrive in the morning to open your bakery, and notice there has been a break-in. Your windows and your displays are damaged, and the cash from your register is missing.
Potential Outcome:
Your commercial property policy may cover the cost of repairing or replacing damaged business property, as well as the funds that are missing. If you have added Business Income / Business Interruption coverage, you may be covered for actual income loss sustained if you have to temporarily shut down your bakery for repairs.
The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.
TD Insurance refers collectively to the following insurance companies:
• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.
1 Savings of up to 15% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:
Multi-Product Discount
You could save up to 5% on your Commercial Property and General Liability, and Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
Alumni and Professional Group Discount
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
TD Customer Loyalty Discount
Eligibility
For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:
• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.
This Offer is for
A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.
Application
(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:
• This Offer provides a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:
• This Offer provides a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 5% discount will continue to apply upon policy renewal, subject to continued eligibility.
This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.