Cafe Insurance

Whether your business is classed as a tearoom, a sandwich bar, a coffee shop, a bistro or a greasy spoon, it’s essentially a café, and so needs to be protected by an appropriate café insurance policy.

A successful café is a busy, high-risk environment. You can employ the most cautious, prudent staff and adhere strictly to health and safety guidelines, yet it is still possible for accidents to occur.

Customers can get sick, or injured, as can members of staff. Without insurance, you would be expected to cover the cost of legal fees and compensation. Plus there’s the possibility of theft or damage to your business and its contents.

It is therefore obligatory that you protect your café with the right level of café insurance. Café insurance is specifically designed to safeguard your business against the typical occurrences that can beset a café and bring about significant losses.

The Right Level of Cover to Protect Your Café

Due to the variety of risks that a café is vulnerable to, café insurance is an amalgamation of several insurance types:

• Employer’s liability insurance – to cover any damages, legal costs and expenses, should an employee get injured.
• Public liability insurance – to cover any damages, legal costs and expenses in the event of a customer getting injured or their property getting stolen/damaged.
• Business contents insurance – to cover against the theft/damage of your business’ contents.
• Product liability insurance – to cover any damages, legal costs and expenses in the event of customer illness/death because of food/drink served on your premises.
• Loss of income insurance – to cover any loss of income that occurs whilst waiting for an insurance payout.