Insurance for Cafes

Be covered with insurance for your business and its workers.

Insurance for café

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.

What types of insurance do cafes need?

To protect your business, you’ll need products and public liability insurance policies with business and general property insurance.

Public Liability 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.

Product Liability Insurance

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.

Business & General Property Insurance

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.

Other cafe insurance needs

For full coverage, here are more policies that would keep your cafe business, plus employees and clients, completely protected.

Management Liability

Get this policy to cover the actions and conduct of your directors or officers. Any business, big or small, is at risk of management issues, even in the beauty therapy industry. At any time when a client sues your company for mismanagement, this liability cover protects your management team and business from lawsuits.

Business Insurance

Business insurance protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Tax Audit Insurance

Whether you run a small or large business or work as a contractor. This insurance will cover your business for tax auditing by the Australian Taxation Office (ATO).

Workers Compensation

Workers’ compensation is vital to help cover costs related to an injured employee during business hours.

Why you need café insurance

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.

Protect your business and your people. Contact us now to get a quote!


How much does business insurance for a café cost?

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.