Choosing the right business insurance policy is important. The reasons being that each type of trade will need to have certain types of cover. If you have a cafe, takeaway, restaurant or coffee shop you need to make sure you have the right type of policy. At the right price of course!
Cafe insurance policies will provide the usual types of cover a business will need. Buildings, contents, stock, employers, public and products liability and business interruption.
In addition, a cafe or any business that serves food for consumption on or off the premises will need to have the following covers:-
1) Suitable public liability if they have seating on a public pathway. Most local authorities insist on a minimum public liability limit of indemnity of £5,000,000.
2) Frozen or refrigerated food cover. This should include cover if the freezer breaks down as will as if there is a power cut.
3) Products liability. Claims, whether justified or not, are on the increase for people claiming to have been made ill from the products they consume.
4) Commercial legal expenses insurance. This should include employment tribunal legal costs as there is a steady and apparently never ending upward curve in employees going to a tribunal.
5) In addition to shop front glass cover, which should be a minimum for any shop insurance type policy, you will need to have cover for all lettering. If a window is broken, the new lettering can be more expensive than getting the glass replaced in the first place.
Tags: cafe insurance