Why do Cafes need insurance?

As a cafe, your business is exposed to many different risks and hazards. We know you’re busy serving your regulars with cappuccinos, croissants or a cheeky muffin, so leave your order for business insurance with BizCover, the small business insurance specialist. Protecting your business has never been easier, receive multiple quotes, compare and get insurance cover in minutes.

Insurance for Cafes

Public Liability Insurance*

Your business deals with members of the public every day from customers dining at your café to suppliers delivering stock. The reality is accidents can and do happen.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

All it takes is for one of your staff to accidentally spill coffee on a customer or for a supplier to slip on a plastic prep mat for a public liability claim to be made against you.

Product Liability is usually included with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products.

Public Liability Insurance*

Do you need Public Liability insurance? The short answer is probably yes. Chances are you’ll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Business Insurance*

Your business assets help make your café dream a reality and while you may not be able to insure the welcoming ambience that you’ve created, you can insure your bricks and mortar, and contents.

Building* – If you are the owner of your café’s building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire, storm, wind).

Contents* – Provides cover for loss of or damage to business and kitchen equipment, stock, furniture and other property belonging to you at the insured location as a result of an insured event.

Machinery Breakdown* – Cafes rely on fridges, coffee machines, grinders and exhaust fans to keep on running. Machinery Breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.

Glass* – This type of insurance covers you for damage to glass and signage at the insured business location.

Business Interruption*– Do you worry about how you would continue to keep your business open and feed your family should you be prevented from operating your cafe? Business Interruption Insurance provides cover for loss of income and increased costs of operating your business caused by a specified insured event listed in your policy (such as fire). It is also designed to assist your business in recovering from an insured event by paying ongoing expenses such as rent and wages.?

Management Liability*

When your business starts to grow, you employ more staff, introducing a new range of risks. Management Liability insurance is designed to provide protection to both the business and its directors or officers and the company itself from the many exposures relating to the management of a company.

Tax Audit*

If your café was selected for audit, the response can be expensive and time–consuming.

Tax Audit insurance takes out some of the stress of an audit by covering your business for specific costs, including accountant’s fees and other nominated professional fees, incurred in the course of an audit.