Be covered with insurance for your business and its workers.
Cafe owners are at risk of various hazards. It’s a headache compensating for a customer burnt by hot coffee or an injured employee. These are real and quite common problems in businesses like cafes.
Save yourself the headache; protect your customers, employees, and entire business by insuring your cafe.
To protect your business, you’ll need products and public liability insurance policies with business and general property insurance.
Since people would come in and out of your place, you are liable for their safety.
When injuries happen from an accident in connection to your business activities in your cafe, public liability insurance will cover the cost.
Aside from public liability, you are also liable for whatever happens to those who consume the products or goods you sell in your place.
Product liability insurance cover will take care of costs on personal injury, even food poisoning, or damage caused by the products you sell or supply.
You’ll never know when disaster strikes. Business insurance may cover your cafe from the cost of rebuilding your operating premises if damaged by a fire, storm, and disasters.
It can also cover the likes of machinery breakdown, loss of equipment, and contents stock, but not limited to.
Of course, it’s always a good idea to minimise business risk by ensuring your place and products are safe. However, accidents could still happen, and you should be ready for what happens next.
Sparrow Insurance will be happy to give you some general advice so you can address risk and decide the cafe business insurance that best fits your needs.
Reach out to Sparrow Insurance brokers who are only a phone call away.
The cost of your cafe business insurance would depend on the size and activities of your cafe. A coffee shop that has deep frying may incur a different cost than one with none.
Also, the range of coverage would determine the price. It’s best to consult a Sparrow Insurance broker to know more information.