After an early morning rush, staff set aside cash takings before heading to the bank. Before the deposit is made, an unknown person enters the premises and steals the cash, disrupting the bakery's cash flow and making it harder to pay for same day ingredients and routine business costs.

Money Cover is a benefit commonly included under Business Pack Insurance. It is designed to cover loss of business money while at the premises, in transit, in a locked safe or strongroom, or in the custody of an authorised person.

While collecting a bulk flour and ingredient order from your supplier, goods are damaged in transit on the way back to the bakery. Key inputs are unusable on arrival and replacements need to be sourced before production can continue.

Goods in Transit cover is a benefit available under some Commercial Property or Business Pack Insurance policies. It may respond to loss or damage to your stock or goods while being transported."

A fire from the baking area damages part of the production space, display fitout and stock on hand. The shop has to close while the site is made safe, repairs begin and replacement ingredients and materials are ordered.

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event. Business Interruption Insurance may also respond to income losses and additional costs incurred during the period of closure.

A customer alleges they bit into a hard fragment in a pastry and chipped a tooth. They seek compensation for dental treatment, follow up care and other loss, and say the product should not have been sold in that condition.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.