Protection for the premises

Without your business premises you do not have a business. With this in mind you may wish to give some thought to:

• fire damage to the building;

• water damage due to burst pipes;

• flooding due to inclement weather;

• damage to the premises caused by vandalism;

• breakage of glass windows.

Any of the above may affect your business. In some cases your business may have to close down for some time and this might lead to a severe loss of earnings. Cafe insurance may provide protection against the above and more.

Protection for the interior

Just as important as the exterior of your business premises is the interior. This typically includes the fittings and fixtures within your business and the stock, but will vary among the different business insurance providers, so always check the small print. You may wish to consider how the following might affect your business;

• damage or destruction of the fittings and fixtures inside your cafe. For instance fire or water damage to the flooring, tables and chairs, along with the kitchen equipment;

• third party claims that may arise from members of the public being injured or even killed while on your premises as the result of your fault. Legal costs may be astronomical and in some cases might close your business for good;

• third party claims from staff members who suffer injury due to a fault of your premises.

Cafe insurance may provide protection for the above, depending on the policy taken out. When considering a business insurance policy, do bear in mind that cover typically differs between insurance providers and the level of protection taken.

Employers’ liability and public liability insurance – Employers’ liability cover should be one of the first things you consider as it is a legal requirement in the UK. Following on from this it can be worthwhile taking out a policy that covers your business for public liability insurance. Public liability insures you against any injury to a member of the public whilst on your premises. These coverage options are available with cafe insurance and will assist you in protecting your business and preventing financial losses if an accident occurs.

Employee cover -This form of insurance is often added to business policies, however it is not to be mixed up with employer liability. Employee cover is protection of your business if you find that one of your staff members is responsible for theft or losses to your business.

Stock and goods protection – If you have stock or goods that you keep on your premises, then insuring these items can be a wise decision. Goods kept at your cafe can be insured in case of unforeseen loses, accidents or spoilage. Cafe insurance can be structured to include cover if stock is either lost in transit or stolen from your premises.

When you seek cafe insurance, it pays to secure a suitable level of protection for your property, goods kept at your cafe and potential injury. The appropriate level of cover will ensure you don’t suffer financial losses in a variety of situations. If you’re unsure how to structure the right insurance to protect your business, then getting advice from an insurance specialist could be the answer. A specialist can provide you with details of a full range of insurance options before you select cover for your cafe. They can support you in selecting the right options for your needs and provide assistance in finding out what cover is available to insure your property against all eventualities.