Cafe Insurance
Cafe owners face a unique set of considerations when it comes to insurance. Once you have the basic types of legally required insurance covered, you face a number of choices in terms of optional insurance you may well be glad to have invested in somewhere down the line.
If your cafe employs staff, for example waiting staff, food preparation staff such as cooks or bar/ serving staff, you must be covered as an employer using employers’ liability insurance. If you use vehicles for transportation, either for moving goods around or perhaps transporting employees from one location to another, you must ensure that your vehicles are covered with the legally required motor vehicle insurance.
Buildings and contents insurance for your cafe should cover your premises as thoroughly as possible, including your food and beverage stock as well as any furniture and fittings you have within your cafe environment. When you also consider the investment you’ve made in equipment for your cafe, you’ll see that it makes good sense to protect this as part of your policy. This may include cash handling equipment such as cash registers and safes, as well as food preparation and cooking equipment, plus coffee and drinks production machines.
If there is an element of danger in your cafe as a working environment, as there inevitably is when food and drink preparation is involved, you may be wise to cover yourself for any injuries that may occur, as well as any compensation claims that may incur legal expenses.
