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Café insurance can cover claims for damages and legal costs made against you if a customer is hurt or their property is damaged at your café. If you employ staff, then you’re legally required to have employers’ liability insurance, which protects your café against claims if an employee is injured or becomes ill as a result of working in your café.
Cafés can have a number of insurance needs to ensure the business is protected in the event of unforeseen claims for losses or damages. You may have stock and kitchen equipment that needs protecting against theft and damage and replacing quickly to keep the business running smoothly. You’ll also need to consider what cover is required to protect against claims from members of the public in the café. If you employ staff, you’re legally required to have employers’ liability insurance. And what would happen if you had to close for a period, for whatever reason? Any disruption to your business could be especially damaging if your loyal customers go off and find a new favourite hangout. Here are a few different types of insurance that could help keep your café running smoothly:
All you need to do is start a quote with us and we’ll help you find the most competitive prices for the different types of insurance you may need for your café.
Take a look at some of our guides: