CAFÉ AND RESTAURANT INSURANCE
Outstanding service and professional advice for the hospitality industry.
Owning a business in the hospitality industry is expensive, and costs continue to increase. We understand that price is paramount, which is why we will always endeavour to scour the market and leverage our long-lasting relationships with insurers for competitive rates on quality coverage. We can tailor coverage to suit your business needs and, importantly, to suit your budget.
Our dedicated team of brokers have years of experience insuring businesses in the hospitality industry and know the unique risks and challenges facing café and restaurant owners. Add this to years of experience managing claims, strong relationships with insurers, and detailed knowledge of their policy coverage, and you have a team of experts ready to help you succeed.
DON’T RISK IT! LET US PROTECT YOUR CAFÉ/RESTAUARNT TODAY
Years of experience insuring cafés and restaurants.
Professional advice from experienced insurance brokers.
Access to market leading premiums.
We manage all claims on your behalf.
Unique risks facing the Hospitality industry
In addition to the usual risks facing most businesses (see our Business Insurance page for more details), there are some unique risks that need to be considered when designing an insurance package for cafés, restaurants, pubs and other hospitality establishments.
Broadly speaking, these risks can be split into:
Café Property Damage
Provides cover for your contents, equipment, fit out and stock if they are damaged or destroyed by a fire, storm, burst pipe, impact, accidental or malicious damage.
Cafés and restaurants are particularly vulnerable due to the fire risks associated with deep frying. Insurers ask specific questions regarding deep frying, wok cooking, grease traps, cleaning and fire safety etc.
Prices vary significantly between insurers based on the size of your café / restaurant and the cooking activities in the kitchen so it pays to shop around.
Café Business Interruption
Could your café or restaurant survive if you were unable to trade for a week? What about a month?
Imagine these scenarios:
- A burst pipe means your kitchen can’t be used for a fortnight
- A car veers off the road and your café is without a dining area for a month.
- A fire burns down your restaurant and it will take six months to rebuild.
Business interruption insurance is designed to respond to such situations and can cover the loss of sales while your business is temporarily out of operation due to an insured event, such as a fire, or storm.
This cover can be the difference between an event being an unfortunate inconvenience and the end of your business.
Calculating the sum insured for your business interruption can be tricky. Our experienced insurance brokers are happy to review your profit and loss statement to help you calculate the level of cover you need.
Café Machinery Breakdown
Cafés and restaurants rely on expensive equipment every day.
What would you do if your oven, or coffee machine broke down?
What if your fridge burnt out overnight and your stock spoiled?
Machinery Breakdown cover is designed to respond in situations such as these, and associated deterioration of stock can even be covered.
Give us a call today to see how we can incorporate this important cover into your business insurance package.
Café Public Liability
Accidents happen — don’t get caught out! Public liability insurance is designed to cover you and your café or restaurant if a claim is made against you for negligence resulting in third party injury or death.
Imagine the following hospitality scenarios:
- One of your employees spills hot coffee on a patron resulting in a burn.
- A customer slips on a spill and breaks their wrist.
- A delivery driver trips on an obstruction on their way to your cold room.
- A diner gets food poisoning from a meal they had at your restaurant.
Public liability is engineered to respond to situations like these and keep your business running.
Café Glass Damage
Glass can be fragile, and cafes and restaurants tend to be filled with glass windows, doors, shop fronts and display cases.
Did you know that you may be responsible for the glass at your premises, even if you don’t own the building? Many leases pass this onto the tenant — make sure to carefully check yours.
Glass insurance is designed to cover the cost of replacing and fixing unexpectedly broken glass, including damage to signage on the glass.
Insurance Tips and FAQ
Insurance Tip #1
Fire prevention / safety.. One of the primary drivers of premium for cafés / restaurants is the fire hazard. Most insurers have
policy conditions around minimum fire prevention requirements.
These include: Extinguishes, fire blankets, cleaning of exhausts, ducting and grease traps, automatic cut off on deep fryers.
An insurer may reduce / decline a claim if you don’t meet their minimum safety requirements.
Insurance Tip #2
Calculating business interruption.. When calculating your business interruption sum insured, you can remove variable expenses the business will no longer incur if your café is not operational. For café’s and restaurants, this can include casual wages.
Insurance Tip #3
Endorsements.. Review your policy for endorsements. These can limit coverage offered by the insurer and may impose special conditions for coverage to apply.
Need Help!
No matter what stage you’re at, If you need to discuss your insurance with a professional broker nearby, give us a call today and we’ll be happy to answer any questions.
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