Tailored Cafe Insurance
Running a Cafe means you will be dealing with many different people, such as consumers, suppliers and employees. There are 2 core types of insurance cover for your cafe which are employer’s liability insurance and public liability insurance. Public liability insurance covers you incase a customer is injured or involved in a fatal accident, or if their possessions are damaged in your cafe. Employer’s liability insurance will cover the cost of any personal injury claims from your employees, and is also a legal requirement. We will tailor your quote to your business to make sure that you get only the cover you need at an excellent price.
Cover Options
As mentioned above, employer’s and public liability insurance are the 2 core options for your cafe. There are also a number of optional cover options for you to choose from, a few are listed below:
- Stock Insurance: If your stock is damaged or stolen, this will keep you covered. The stock is insured at its cost price, not the retail price.
- Contents Insurance: This covers the damage of your contents, fixtures and fittings. Examples of causes are fires, floods and vandalism.
- Buildings Insurance: This will cover any damages to your building structure, such as the roof, walls, ceilings, floors and doors. The sum is based on your property’s rebuild value, not the market value.
- Loss of License Insurance: Covers against the loss of an alcohol license that you might possess, not through your own fault. You will also receive a pay-out for any loss of earnings you suffered from not having your license for that time period.
Business Interruption is automatically included as part of the core cafe insurance policy. This will cover various costs such as wages and overheads if unforseen consequences prevent your business from trading for a certain amount of time.
Our Experience
We have been providing insurance services for our customers over the past 25 years and we pride ourselves in our professionalism and our ability to get you the best value possible when it comes to providing you with a quote. Our client testimonials prove that we are passionate about what we do and we always put you first.
Obtaining a Quote
To obtain a quote for cafe insurance, please fill in our request a quote form. One of our professional advisors will then contact you back and run through your business needs so that we can provide a tailored quote covering your business with peace of mind. Alternatively, you can contact us now:
- Telephone: 0161 763 8222
- Fax: 0161 241 6760
- E-mail: enquiry@insuranceprice.co.uk
- In person: 52a Bolton Street, Bury, BL9 0LL
- Fill in our contact form