Cafe and coffee shop insurance

Considering opening a cafe or coffee shop and unsure about the insurance you will need to protect one of your biggest investments? Or are you a veteran who has been running one for a few years? Either way, you are on the right page. Having the right insurance is crucial to protecting your business from unexpected events.

Cafe or coffee shop insurance is essentially a business pack insurance customised to suit your specific industry. Below are some insurance coverages you should consider before running your business:

1. Property Insurance: Your cafe or coffee shop is filled with valuable equipment, from coffee machines to furniture like tables and chairs. Property insurance covers the cost of repairs or replacement if your contents or equipment is damaged due to fire, theft, or other insured events.

2. Public Liability Insurance: This is vital for any cafe or coffee shop. It protects your business from claims made by third parties for injuries or property damage that occur on your premises. Whether a customer slips on a wet floor or a contractor getting injured while working in your cafe, public liability insurance covers the legal costs and compensation.

3. Glass Insurance: Most cafe or coffee shops have big glass frontages, which can be vulnerable to accidents or even malicious damage by passersby. Glass insurance would cover you for the cost to replace the glass. This is also normally a requirement by your landlord under your lease agreement.

4. Business Interruption Insurance: If your cafe has to close temporarily due to unforeseen circumstances like a fire or flood, this insurance covers the loss of income during the downtime, ensuring you can continue to pay bills and salaries.

5. Machinery Breakdown Insurance: Remember those fridges and cool room in your cafe or coffee shop? This insurance would cover the costly cost of repair in the event of a breakdown, with the option to insure the food in your freezer or cool room (deterioration of stock - additional cover).

6. Workers' Compensation Insurance: If you have employees, workers' compensation insurance is mandatory. It covers medical expenses and lost wages if an employee is injured or becomes ill due to their work.

By having these key insurance covers, you can focus on brewing great coffee, knowing your cafe is well-protected against potential risks. Call us today for a chat!

5 Most frequently asked questions by cafe owners

1) Do I need insurance to open a cafe and coffee shop?
- Abosolutely yes, insurance is essential for protecting your cafe and coffee shop from risks like property damage, liability claims, and business interruptions.

2) How much does cafe and coffee shop insurance cost?
- The cost of cafe and coffee shop insurance varies based on factors like the size of your business, location, and type of cover taken. Speak to our advisers at GCIS Insurance today and we can provide you with an obligation free quote.

3) Is public liability insurance necessary for a cafe and coffee shop?
- Yes, public liability insurance is crucial as it protects your business from claims related to customer injuries or property damage.

4) What are the common claims in cafe and coffee shop insurance?
- Some of the common claims include slips and falls, foodborne illnesses like food poisoning, equipment damage, and accidental damage to property.

5) How do I choose the best insurance for my cafe and coffee shop?
- The good news is you dont have to! We at GCIS Insurance as qualified insurance advisers will discuss your needs with you, understand your business and advise you on the risk. We will then approach multiple insurance companies on your behalf to get your quotes for your consideration.

Reach out to us today to discuss your insurance needs or visit our Cafe and Coffee shop Insurance page to learn more.