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Running a home bakery in North Carolina can be a rewarding way to turn your passion for baking into real income. But even small, home-based businesses come with risks that a typical homeowners policy might not fully cover. That’s where commercial insurance through Wayne Realty & Insurance Co., Inc., serving Goldsboro, NC, becomes an integral part of protecting both your business and personal finances.
Why Home Insurance Isn’t Enough
Many home bakers assume their standard homeowners’ policy will cover accidents or damages linked to their business. In reality, most homeowners’ policies exclude claims related to business activities. If a customer slips on your front step while picking up an order, or if a kitchen fire damages equipment used for your bakery, your insurer could deny the claim because it’s tied to business operations.
How Commercial Insurance Helps
Commercial general liability insurance is specifically designed for situations like these. It can help cover medical costs or legal fees if someone is injured due to your business. If you’re selling at local farmers markets or events, some venues even require proof of this kind of coverage before you can set up a booth.
You may also want to consider business property coverage, which helps protect specialized equipment or inventory that wouldn’t be fully reimbursed under a standard homeowners policy. For example, if a power outage spoils your refrigerated cakes, a tailored commercial policy could help absorb that loss.
Safeguard Your Business and Peace of Mind
Your home bakery may be small, but it’s still a business—and worth protecting like one. Talking with an insurance agent at Wayne Realty & Insurance Co., Inc., which serves Goldsboro, NC, and understands both local regulations and the unique risks associated with food-based businesses, can help you choose the right policies. With proper coverage in place, you can keep your focus on perfecting recipes and delighting customers, knowing you’re protected if something goes wrong.