Insurance FOR CAFES

SPECIALIST CAFE INSURANCE FOR UK BUSINESSES

Your café will likely experience a busy in and outflow of customers throughout the day, exposing you to a range of possible risks. 

We’ll help build you a packaged insurance policy to adequately protect your business in the event of a loss and make sure your premiums are kept to a minimum.

GET IN TOUCH FOR YOUR NEW CAFE INSURANCE QUOTE

we'll build a packaged policy that’s right for your CAFE

EXAMPLES OF SOME OF THE COVERS YOU’LL NEED

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Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your cafe. It covers the cost of compensation for personal injuries and loss of, or damage to property.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your restaurant’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected adverse event. It aims to put your business back in the same position as you were prior to the event.

Examples of incidents may be fire, flooding or storm and we will usually provide cover for a period of either 12, 24, or 36 months depending on your businesses’ requirements and the type of property you are trading from.

Buildings insurance covers any damage to the building itself, including the main structure, outbuildings, and underground pipes. You may not be responsible for insuring the building if you are a tenant, however if you own the building you will need to confirm the rebuild cost in the event of a total loss. If you are unsure of this, we have a service to provide you with this information.

Contents insurance covers the cost of loss or damage to your fixtures and fittings and business equipment, such as chairs, tables, computers, and televisions.

Stock insurance covers the cost of loss or damage to your beer, food, soft drinks and wines and spirits.

We will also offer deterioration of stock insurance to cover damage to stock stored in specified cold storage spaces, which occurs because of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.

TYPICAL EXAMPLES OF CLAIMS THAT COULD ARISE

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Deep fat fryers can increase the likelihood of a fire breaking out in your café. We’ll advise you how often these and ducting need to be cleaned and serviced to protect you in the event of this common claim.

Many cafés are situated underneath other businesses or residential premises with no association to them. A common claim for this reason can be damage to contents from water that has escaped from a burst pipe upstairs.

Speak to us and we’ll discuss in more detail about other covers you may want to consider when insuring your cafe, such as directors and officers, legal expenses, and employee dishonesty insurance.

NOT SURE WHAT COVER YOU REQUIRE?