Cafe Insurance

Insurance to cover all your cafe’s requirements

Complete Protection for Cafe

Cafe Insurance is designed to cover your business. Therefore, you may wish to consider this protection for your cafe. Take into consideration if a claim is made against your cafe by another individual. This may be for damages or legal costs that your company could be subject to. In the event that one of your customers is injured or their property is damaged, you could be liable. However, having the correct policy in place will protect your cafe.

When purchasing your policy there could be other types of insurance you may wish to consider. This could be taking out employee liability insurance which is is a legal requirement when you employ staff. This cover will protect your cafe against claims made due to injury or illness, on your premises, by employees of your cafe.

Cover to include with your Cafe Insurance

Buildings Insurance – You may consider this type of insurance for your business. Do you own the building? This is a valuable type of insurance we could offer your cafe. This is because it can cover you in the possibility of any damage sustained to the property. If damaged, the cafe may require repairs, or rebuilding. Subsequently, saving you money from possible repairs. However, there will be a some cost in excess.
Contents Insurance – When running a successful cafe, you are likely to have many assets you wish to protect. For example, you may have food for customers which could be damage. Do you have kitchen equipment like pots and pans? furniture? Is there other essentials you require for day to day running? With this type of insurance you can protect your cafe’s contents against theft, fire or damage.
Business Interruption Insurance – In the event of having to close your cafe for a few days due to an unexpected event, this could lead to a loss in income. This type of insurance can help to cover you until you get things up and running again.

FAQ's

What type of insurance do I need?

This depends whether you are renting or own the cafe premises. If you are renting please check with the property owner as to what is covered. The contents cover will depend on the amount of kitchen equipment, furniture, and crockery. Public and private liability will be determined by the number of customers and staff. Please give us a call and we will help find the correct policy for you.

What details do I need to provide to get a quote?

The cafe building and contents
Level of income – for business interruption purposes.

Should I pay monthly or annually?

It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on 9.5% interest.

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