Cafe insurance you can trust
When insuring a Cafe you are providing cover for a home, a business, a cafe and sometimes a take-away. With complex requirements it is appropriate to understand what cover you have and what is not insured:-
Employer’s Liability – unless you do all of the work, cooking, cleaning and maintenance yourself you will have staff and therefore require Employer’s Liability cover.
Public Liability – incase a visitor injures himself/herself on the premises you require Public Liability cover.
Professional Indemnity – if you ‘train’ staff you may require Professional Indemnity cover. You may wish to protect staff personal possessions against theft and therefore may well require an extension of cover for this.
Vehicle – if you run vehicles in the name of the cafe you will require motor insurance.
Fidelity cover – you may also find that you put your staff in a situation where they could handle money or possessions belonging to someone else so you may also require Fidelity cover.
Cyber cover – you have computers in the cafe and therefore may wish to add Cyber cover.
Legal Expenses – in case you are involved in an incident that requires legal advice or court action.