What insurance do I need for a cafe?*
Dealing with food and people every day means cafés and coffee shops are faced with a number of risks. Risks are greater with an older shop fit out and if cooking takes place onsite.
- Public Liability – eg: injures from falls and slips.
- Products Liability – eg: food poisoning.
- Business & General Property – eg: damage to building.
- Business Equipment
- Fire & Perils – eg: fire greatest risk in older buildings and where deep frying takes place.
- Crime – eg: theft of food, alcohol or money.
- Workers Compensation – eg: burns from cooking.
Cafe Insurance Quotes from SMART team of Brokers
Our business insurance brokers can help you find suitable cost effective insurance for your café or coffee shop. Depending on the size of your cafe or coffee shop, certain insurance companies may offer better terms. Our brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as Vero, Lumley, Zurich and AIG.
TALK to a SMART Insurance broker on 1300 542 573 or email us at email@example.com for SMART insurance cover for your cafe or coffee shop.
How much does insurance cost for a cafe?*
Depending on the cafe size and activities – for example; whether there is deep frying, and the numbers of covers taken the insurance cost for a cafe can vary significantly.
Cafe owners often purchase many of their commercial insurances in a business insurance package where important covers such as public and products liability, building, contents, money,theft and equipment cover, plus business interruption can be bundled in together in one policy that is often cost effective and easier to manage.
As it’s difficult to generalise about insurance cost for different types and sizes of cafes it smart to ask for a café insurance cost by simply calling a SMART Business Insurance broker on 1300 542 573.
Please note; there is a lot more to suitable cafe insurance than just low cost. It's important that the cover you purchase can provide your cafe with sufficient resources and time to recover if there is an incident..
Thank you so much for your wonderful guidance and assistance regarding this claim.
Mercs Bier Café
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART business insurance broker on 1300 542 573 for more information.