Cake Decorating Liability Insurance

Red Star Insurance Brokers is pleased to partner with the Australian Cake Decorating Network to provide discounted Public & Products Liability insurance to it's members.

Become an ACDN member BEFORE YOU TAKE OUT THE INSURANCE POLICY and save $70, which is more than the ACDN membership fee!

Not only will you get cheaper insurance, you can also take advantage of the other discounts and benefits on offer to ACDN members. Click HERE to see the full list of ACDN member benefits!


This policy provides Public & Products Liability cover. Public & Product Liability Insurance covers you for essentially two things that may arise from running your business:

  1. Personal Injury to third parties (e.g. someone gets food poisoning from your cake)
  2. Property Damage to third party owned goods
Please note you must comply with local council/health department requirements. These vary between councils and states so please consult with your local authority.


LIMIT $10M  $20M
ACDN Member $380 per year* $430 per year*
Non-Members  $450 per year* $500 per year*

*Subject to acceptance criteria.


The insurer does not offer a pay by the month option however Red Star Insurance Brokers have a monthly payment facility through Premium Funding Pty Ltd which allows you to pay your insurance by instalments. Basically Premium Funding Pty Ltd pay your insurance invoice and then deduct the payments from your account over 10 months. The interest and annual funding fee amount to approximately $120 extra per year compared to paying it up front.


Insurer: Berkley Insurance Australia (via Protecsure Insurance Underwriting Agency)
Excess:  $500

Claim Scenario 1

You bake a wedding cake for Bridezilla and inadvertently use an ingredient that is past it’s use by date. A number of guests at the wedding including the bride fall sick and are taken to hospital suffering food poisoning. You are sued for pain and suffering and are also hit with a massive legal bill to defend each claim. All up you owe $230,000. Thankfully you took out a Public & Products Liability policy which covers such claims.

Claim Scenario 2

Young Johnny’s birthday is coming up and Johnny gets what Johnny wants – an extravagant dinosaur cake with smoking nostrils. All is going well until Johnny suffers an allergic reaction and ends up in hospital. Turns out you accidentally contaminated the cake with traces of nuts from the job before. The judge awards against you and you not only have to cover your legal costs but Johnny’s parents legal costs as well. Thank goodness you took out a legal liability policy through Red Star Insurance Brokers which covers both the award and the legal costs.