Other cafe insurance for Additional Protection
Aside from product and public liability insurance, and those mentioned above, there are other business insurance products that cafe owners may need for your coffee shop or cafe business.
Is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.
If you maintain a website of your cafe business or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy is your option to help cover you from data theft.
Tax Audit Insurance
Whether you run a small or large cafe business or work as a contractor. This insurance option will cover your business for tax auditing by the ATO.
Personal Accident and Illness Insurance
This is a legal requirement for all businesses to cover their staff and contractors in the event of an accident whilst in the place of business. Even if yours is a small business, you need this business insurance in Australia.
Workers compensation insurance is for every individual who is taking the time to recover from an injury or illness and unable to work.