Coffee Shop & Café Insurance

Café Insurance with Prosura

Running a coffee shop can mean early starts. However, it also involves long hours on your feet while maintaining a good customer facing smile! Nevertheless, researching your café insurance is the last thing you need at the end of a busy day.

Moreover, you have invested in premises that provides comfortable furnishings, tempting stock and an inviting space for customers. Perhaps you even offer your very own blends and roasts.

You’ve worked to hard to have everything ruined by an accident or costly liability claim – but it does happen. Thus, our job is to secure you tailored café insurance and adequate protection for your business and its earnings. So, contact us today – we’ll get your cover set up no time.

Why do you need Coffee Shop Insurance?

Café insurance, undoubtedly, will protect you, your business, your staff, and your customers from the financial impact of accidents and mistakes. The world is changing and the last thing you need is your business ruined by a customer becoming ill thanks to an allergic reaction.

Furthermore, regardless whether you run a café, bustling tearooms, an internet café, or a local coffee shop, you’ll benefit from café business insurance.

What is Café Insurance?

Café Insurance is a package of business insurances that will protect your business and its assets from the risks it’s exposed to. It’s typically formed of a number of different covers, including:

  • Employers’ liability insurance

Firstly, all employers are legally obliged to have employers’ liability insurance, even if you just employ casual or temporary staff. This will help to pay compensation and legal fees should one of your team become ill or injured as a result of the work they do for you.

  • Café public liability insurance

It’s just as important to have public liability insurance for a small café as it is a large coffee shop chain.

There’s always the potential for accidents and mistakes to happen, regardless of the size of your establishment and how many staff and customers you have.

For instance, if one of your team accidentally scalded a customer with a hot drink or spilled water on a customer’s laptop, you could be liable for a compensation claim.

Public liability insurance covers your business from legal expenses and compensations from third-party claims due to your business activity.

  • Product liability insurance

Additionally, if anyone became unwell after consuming food or drink from your establishment, food product liability insurance would protect you from the cost of a claim.

What other insurance is needed for a café?

The particulars of your café insurance policy will depend on the individual requirements of your business.

Moreover, perhaps you have expensive contents you need to protect, such as artwork, or artisan wares on display from local artists. Maybe you need internet café insurance, which takes into account the valuable equipment you need to insure.

Importantly, our experienced café insurance brokers will work with you to understand the cover best suited to your needs. For example, some of the additional extras we can include in your coffee shop insurance quote are:

  • Buildings and contents insurance
  • Stock cover
  • Theft of takings
  • Equipment breakdown cover
  • Business interruption
  • Legal expenses
  • Personal accident insurance

What does Café Insurance cost?

Coffee shop insurance costs vary depending on a number of factors. The size of your premises, its structure, fixtures and fittings, location and claims history will all impact coffee shop insurance prices.

Don’t be tempted by cheap café insurance; it’s crucial to make sure your business is fully protected from the risks it’s exposed to.

The best way to get the most competitive café insurance quotes is to use a broker such as Prosura. We work with a wide range of high quality insurers, which means we can create a bespoke package with adequate cover, at the right price.

Why buy Café Insurance through Prosura?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll meet your exact requirements.

Our high-quality, cost-effective café insurance policies are built on years of experience and in-depth industry knowledge, delivered to you friction free.

We also give all our Coffee Shop Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For the best coffee shop business insurance, contact the specialist brokers at Prosura today.

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