Insurance for cafes

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Tailored insurance for your cafe. Maximum coverage, minimum cost.

As a cafe owner, your clients trust you to deliver delicious food and drink, all dished out with great service. However, if your food and drinks result in food poisoning, cafe owners can face serious litigation issues. Cafe also have lots of expensive kitchen and coffee equipment that are costly to replace. WIth Provide, you can tailor a policy that protects you, your employees, your customers, and the premises/equipment you use.

What insurance do cafes need?

  • Food poisoning liability insurance: Coverage if you are sued for negligence, errors & omissions, defamation, and other causes.

    For example, if you run an Accounting practice and make mistakes while auditing financial statements, your clients could file a civil suit against you for malpractice. 

  • Public liability insurance: Coverage for property damage or injuries to third-parties.
    For instance, a client slips and falls in your office, breaking their arm. They can sue you to pay for personal injury damages and medical expenses.
  • Work injury insurance: Coverage for employee injuries/diseases. Includes coverage for Covid-19 infections.
    For instance, your employees contract Covid-19 while in the office. This type of insurance will pay for their lost wages while quarantined, their medical expenses, and legal fees if they sue you for creating an unsafe work environment. 
  • Property and contents insurance: Coverage for risks like fire, water leaks, damage to computers, etc.
    For instance, an electrical fault occurs and causes a fire in your office. This insurance will pay for premises damage, and replacing contents (e.g. damaged computers).
Get started on a quote, or drop us a message to start crafting your own custom policies.

What are the major risks cafes face?

  • Being sued by customers for causing food poisoning 
  • Facing regulatory penalties for food poisoning reports, or food hygiene issues
  • Death, injury or illness of employees. You’ll need Work Injury Compensation Insurance to cover this.
  • Management-related claims such as Wrongful Employment Practice lawsuits from employees. You’ll need Directors & Officers Liability Insurance to cover this.
  • Injuries to customers in your premises. For instance, if a customer slips and falls in your cafe, they can hold you liable for paying their medical expenses, and file a lawsuit against you for personal injury damages.

What are the benefits of using Provide for cafe insurance?

Provide gets you tailored online quotes for cafe insurance, at the lowest premiums. 
  • Save up to 25% on cafe insurance
  • Save time with our convenient online platform to get quotes, file claims, and manage policies 
  • Expert insurance team with 20+ years experience serving both SMEs and large multinational firms
  • Available by phone 7 days/week

Get cafe insurance tailored for your business. Lowest prices nationwide.

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