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Intro
From a bistro to a tearoom, setting up your café and making it yours, with all your finishing touches, is incredibly rewarding. However, the hustle and bustle can present its own unique set of challenges. Mistakes can happen and you want to make sure you have proper cover for yourself, your staff, and your customers.
Creating your custom-made insurance
If you choose Full-Time Cover as your broker, we’ll sit down and find out all about your business. Working with you, we’ll then craft the perfect policy for your venue and staff so you have peace of mind to focus on what you do best. With no hidden costs and only A-rated insurers, you can have peace of mind that your business is well looked after should anything happen. We shop around for the best rates saving you time and effort.
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Key Features
- Liabilities Insurance
- Buildings, Contents, and Stock cover
- Business Interruption Insurance
- Personal Contents Protection
- Equipment Cover
- Theft
- Commercial Kitchens / Freezer Contents
What are the types of cover?
If you run a business, anyone can claim if they believe they have been injured, or their property has been damaged by you or your employees. Public Liability Insurance guards against claims that may be costly, time-consuming, and highly stressful.
It is designed to protect you if anyone injures themselves, has an accident, or damages their property on your premises. This is vital to have, not just for yourself, but for the protection of your customers. Typical examples of claims could be if a member of staff spills some coffee on a laptop, with many cafes a destination of choice for freelance workers – this is a common occurrence and public liability insurance can cover the cost of damages to your customer.
Another example may be someone falling downstairs getting to the toilets. Cafés can often have small staircases and these can lead to accidents if not well marked up and supported with handrails.
Public Liability insurance covers compensation claims and importantly, offers you strong legal protection defending yourself. This is vital in what is a stressful situation – having the right cover in place before a situation arises is important and can save big headaches. How your business deals with these incidents can also be vital for your reputation going forward.
Having public liability insurance gives you peace of mind so you can get on with doing what you do best.
What if a customer falls ill because of food they have eaten in your establishment? Product Liability insurance can cover you if a customer gets food poisoning and makes a claim against you.
If you employ anyone outside your immediate family, it is a UK requirement of law to have employers’ liability insurance. Employers’ liability insurance means you are protected if a staff member gets injured or sick whilst at work.
This is only necessary if you own the building. If you lease, then it is typically down to the owner of the building to arrange buildings cover.
However, if you do own the building then you need to work out the rebuild value. Remember – buildings insurance is not based on the market value of the property or what you paid for it – it is the cost to rebuild the property. If you are unsure speak to us about our desktop valuations.
This protects everything inside the building against theft, vandalism, or damage caused, potentially, by fire or flood. Think about everything, coffee machines, tills, Cutlery, furniture, computer equipment. Do you have any stand-out art or decoration such as art or mirrors? Think also about personal contents for you and your staff as this too can be covered. Do you have particularly expensive cooking equipment?
Although most transactions are contactless these days, cafes can still typically handle a lot of cash. Cash on-site cover offers protection if it’s kept in a locked safe overnight, or in transit to the bank.
This covers all stock such as drinks and food. A common claim on stock insurance is freezer failure. If your freezer packs up and your frozen food is no longer suitable to sell, then it is possible to claim on your insurance policy for the wasted food.
Most cafés will be insured for damage to their buildings and contents from floods, fire, or other unexpected disasters. But these policies often won’t cover you for lost revenue if you’re unable to trade. Business interruption insurance could provide you with funds to pay staff, refill stock and rebuild your business.
Business Interruption insurance is usually sold in 12-, 24- and 36-month periods. Which period you buy cover for is one down to you and dependent on your business and premium expectations.
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FAQs
You would need to state this so that you are appropriately protected on the public liability aspect of your policy.
Most policies will cover you for loss of stock. Make sure your figures are up to date and be sure to factor in peak season and your busier times.
Things that can often be missed by café owners during a call:
What security measures have you got in place? CCTV? Intruder Alarm? Safe model? The more specifics you can give, the better an understanding we get, and this reflects in your premiums. Do you have staff training and inductions? What hazardous cooking equipment do you have? If you serve food, how many covers do you have? What is your claims history? If you have any claims, what were they for? And helpfully – what did you do to ensure they don’t happen again?
Yes, please ask about our low-interest instalment plan.