What Insurance Do I Need for a Cafe?

Public liability insurance If someone is injured on your premises or their property is damaged, public liability insurance could cover the cost of repaying them or any legal costs if a customer takes you to court. Business interruption insurance Having to close your café for a few days or even weeks is never ideal.

What you may end up losing through reduced sales or wastage costs is often more than the insurance premiums you have to pay. Equipment breakdown insurance If something breaks down in your café and you don’t have the right level of cover to repair it then you could be left paying out for significant costs.

Even if your insurance doesn’t cover the cost of equipment, you still may have to close your cafe while it is being repaired. You should consider how long it will be before you break even again.

If it’s over a weekend or Bank Holiday, you could end up spending more on your premium than the cost of the repairs. Contents insurance If your cooker and hob breaks down or the unit develops a fault, you could also end up paying more to fix it.

If it can’t be fixed or has to be replaced, you could be in for thousands of pounds’ worth of inconvenience until it’s all sorted out.

A good contents policy would cover you for accidental damage, so you should never have to worry about footing the bill.

Beverage stock insurance This covers any stock that spoils or gets ruined.

Often there’s a combination policy that includes items you may have forgotten about, so it’s always worth speaking to your broker.

Employees aren’t the only members of your team who need to be protected.

Even if your café isn’t operating up to your usual standards – it could be because there’s a broken down dishwasher or because you’re busy – you might have a lot to answer for.

This is where management legal expenses insurance comes in. With this you can get the right advice and support you need when the unexpected happens.