Insurance for your cake business.
Business insurance built for cake decorators and bakers, through Red Star Insurance Brokers, our insurance partner since 2016.
Two kinds of cover.
Public liability
This kind of cover is about injury to a person, or damage to their property. Think of someone hurt at a market stall, or a venue says it wants proof of cover before you can sell there.
Products liability
This kind of cover is about harm caused by something you made and sold. For a cake decorator or baker, the product is the cake.
More than liability
Red Star is a full-service broker; they cover much more than public liability. Cake! members place all kinds of cover with them: the car or van you deliver in, the tools and equipment your business runs on, workers compensation once you take on help. If you would rather keep it all with one broker, ask Red Star.
Questions only Red Star can answer.
These come up again and again in the Cake! community. They are real questions, and they have real answers, but the answers depend on the policy and your situation. Red Star is licensed to work through them with you. We are not, so we will not guess.
- Does cover extend to a florist adding fresh flowers to one of my cakes?
- What about selling at markets, fairs, and pop-up events?
- I run a home-based or hobby cake business. Where do I stand?
- A venue is asking for a certificate of currency. How does that work?
- I want to teach decorating classes from my home.
- I'm thinking of wholesaling to a local cafe, shop or restaurant.
- I have an employee, or I run my business as an incorporated company.
- I sell hand-made chocolates and confectionery alongside my cakes.
Take any of these to Red Star. They've written cover for cake decorators since 2016 and they know what questions to ask.
Join first, then insure.
Red Star gives Cake! Members a discount on Public & Products Liability insurance. Join as a Cake! Member first, then Red Star will confirm your member rate when you request a quote.
Get the order right
You must be a current Cake! Member before you take out your policy. Red Star's member rate only applies if your membership is already active when the policy starts. If you take out the policy first, you miss the member rate, so join before you apply.
Red Star pays us a commission. It does not change your price.
What to have handy.
A quote is quick and you can do it online or over the phone with an Australian broker. It moves faster if you have a few details ready:
- What you make and sell
- Where you sell it: from home, at markets, at events
- A rough idea of your annual turnover
Where to get a quote
Get a quote with Red StarRed Star pays us a commission. It does not change your price.
Common questions.
- How much will the policy cost me?
- Red Star sets the price. We don't publish their rates here. A quote takes only a few minutes online or over the phone, so you'll know your number quickly.
- What is the Cake! Member saving on Red Star?
- Red Star offers Cake! Members a discount on their Public and Products Liability insurance. We don't set or publish the figure; Red Star confirms your member rate when you request a quote. You need to join as a Cake! Member before taking out your policy for the member rate to apply.
- Do I need to be a Cake! Member to get a quote?
- No. Anyone can get a Red Star quote. Red Star's member rate only applies if you are already a current Cake! Member when you take out the policy, so you must join before your policy starts to get it.
- Do I need a food handling or food safety certificate?
- Yes, you must also hold a food handling or food safety certificate. Please note that if your local regulator requires an accredited course, you will need that as well.
- What if I'm already insured somewhere else - can I switch?
- Yes, that is a normal thing to do. Talk to Red Star when your current policy is up for renewal and they can quote you the same kind of cover. Red Star's member rate still applies, provided you are a Cake! Member before the new policy starts.
- Is the member rate only for liability cover, or does it apply to other lines too?
- Red Star offers Cake! Members a discount specifically on the public and products liability policy. Other lines you might place with Red Star (motor vehicle, business pack for tools and equipment, workers compensation) are priced separately.
- When does my cover start and when does it renew?
- Red Star will confirm both when you take out the policy. We do not set those dates; ask Red Star when you apply.
- Does Cake! Network give insurance advice?
- No. Cake! Network is not a licensed insurance adviser and does not hold an Australian Financial Services Licence. We refer you to Red Star Insurance Brokers, who are licensed to advise.
New to Cake! Network?
Join as a Cake! Member first, before you take out your policy. Red Star's member rate only applies when your membership is already active as the policy starts.
Become a Cake! MemberReady for your quote?
Red Star gives you a real quote for your business. We hand you over; they take it from there.
Get a quote with Red StarRed Star pays us a commission. It does not change your price.
redstarinsurance.com.au 
Red Star Insurance Brokers is an authorised representative of Red Star Insurance Pty Ltd (AFSL No. 444803), and a Cake! Awards sponsor.