Why you need bakery insurance
你努力工作，为人民带来面包和糕点. 你建立了一个充满自豪和承诺的企业. Let us help you protect it. We won’t flake when you knead us. State Farm®的烘焙pp王者电子官网可以帮助您规避风险，特别是在以下情况下:
- On-premises injuries – 鲜奶油涂在苹果派上味道很好，但滴在地板上却出奇地滑. 不要让顾客的伤害影响你的生意.
- Business interruption and loss of income – Storms take out power. Fires happen. 生活就是这样，但我们可以帮助减少对业务的影响.
- Fire -The shadow that keeps bakers up at night. 如果发生pp王者电子官网损失，我们可以帮助您恢复和重建.
What bakery insurance covers
- Property – Covers your building, improvements, contents, equipment, 以及承保的意外直接实物损失的库存.
- Liability – 保护您免受保单所涵盖的昂贵索赔和诉讼, which arise from property damage, bodily injury, or personal and advertising injury.
- Loss of Income – 如果您的操作因承保损失而暂停，您可以提供保护.
- Spoilage – 为您的业务提供备份，以防因机械故障导致的易腐货物意外直接物理损失, power outage, or refrigerant contamination.
- Equipment Breakdown – 帮助支付投保设备，如果它发生故障或损坏投保索赔.
- Employee Dishonesty – 承保因雇员不诚实行为而对企业个人财产造成的直接物质损失，包括金钱和证券.
Consider adding additional coverages
Depending on the type of bakery you own, 你的员工数量和其他因素, 你的面包店pp王者电子官网政策所涵盖的可能还不够.
A local State Farm agent 我能就您可能需要的额外pp王者电子官网提供建议吗.
Employers’ non-owned and hired car
If your business uses hired, 短期租赁或借用车辆, 或者如果员工使用他们的车辆为您的业务, you may want to consider employers’ non-owned and hired car coverages. 和当地的代理人谈谈你所在州的pp王者电子官网选择.
Commercial liability umbrella policy
Workers' compensation
Talk to a local State Farm agent
这只是对现有商业pp王者电子官网种类的pp王者电子官网范围的一般说明，并不是合同的说明. Details of coverage, limits, 或者服务可能不适用于所有业务，在某些州有所不同. All coverages are subject to the terms, provisions, exclusions, 以及保单本身和任何背书的条件. 联系州立农场代理获取更多信息和定制报价.
State Farm(包括州立农场互助汽车pp王者电子官网公司及其子公司和附属公司)不负责, and does not endorse or approve, either implicitly or explicitly, 从本页超链接的任何第三方网站的内容. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. 访问第三方网站的风险由用户自行承担, 仅供参考之用，并不是征求购买或出售可能在该等第三方网站上引用的任何产品.
人寿pp王者电子官网和年金由州立农场人寿pp王者电子官网公司发行. (Not Licensed in MA, NY, 州农场人寿和意外pp王者电子官网公司(在纽约和威斯康辛州有执照)总部, Bloomington, Illinois.
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- Richardson, TX
- State Farm Fire and Casualty Company
- State Farm General Insurance Company
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- State Farm人寿及意外pp王者电子官网公司(在纽约州及威州持牌)
- Bloomington, IL