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Cafe insurance is vital if you own or operate a business in the catering industry. As a caterer you’ll be more than aware that you are exposed to a wide range of risks. Poorly prepared food can make people seriously ill and, in severe cases, may even lead to death. Even if you have prepared everything faultlessly every single time, a third party could still point the finger at you if they become unwell at the same time as eating your food.
Further to this, if you are working with sharp knives, boiling water, and other dangerous catering equipment on client premises, there is a material risk of you injuring a third party. Liability claims can run into thousands of pounds and, if successful, could bankrupt even the most profitable of businesses. It is therefore vital that you carry the right type of café insurance to protect your cafe should anything go wrong.
What Should a Good Cafe Insurance Policy Include?
We can offer cafe insurance for many types of catering businesses – from mobile catering to catering for buffets and professional events. Included with our cafe insurance policy is public liability insurance. Within a café insurance policy, public liability cover protects caterers in the event that they injure a client/customer or damage their property.
Meanwhile, if your café employs staff, your cafe insurance package must include Employers’ liability insurance. This is compulsory insurance for any UK firm that has employees and covers your business should an employee sustain an injury whilst working for you.
- Cafe insurance
ConstructaQuote offers essential protection for your cafe business, for that added peace of mind.
- Essential cover
With our cafe insurance policy we offer public liability cover of up to £2 million. We also offer employers liability cover of £10 million as standard.
- Business interruption insurance
We include £1 million business interruption with our cafe insurance policy
- Standard cover
We include money cover, glass cover and personal assaults in work as standard.
- Optional
Loss of alcohol license, goods in transit and legal insurance can be added to your cafe insurance policy for an extra premium.
- Building and contents cover
- Personal assaults in work hours included
Flexible Cafe insurance from ConstructaQuote
Every cafe and every owner is different, which is why it is important to get flexible cafe insurance which fits your business perfectly. With loads of extras and clever, additional add-ons you can construct a cafe insurance quote which will keep your business safe and sound, without splashing out on unnecessary cover.
For a great cafe insurance quote, simply fill out the form above. Alternatively, call our team directly one-to-one advice and information. If you’re still making up your mind, our Frequently Asked Questions section is full of helpful cafe insurance information to help you find out everything you need to know.
“Won’t be changing for a while! Absolutely fabulous value and service!”
GM, Beckenham
“Over the moon with my commercial insurance. Great value for money – Will be recommending Constructaquote.com to my business colleagues”
RA, Norwich
Testimonials are not necessarily from clients who purchased this particular product