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Tailored insurance for your coffee shop / kopitiam. Maximum coverage, minimum cost.
As a coffee shop operator, your clients trust you to deliver delicious food and drink, all dished out at affordable prices. However, if your food and drinks result in food poisoning, coffee shop owners can face serious litigation issues. Coffee shops 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.
Food poisoning liability insurance: Coverage if you are sued for negligence, errors & omissions, defamation, and other causes.
Public liability insurance: Coverage for property damage or injuries to third-parties.
For instance, a client slips and falls in your coffee shop, 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, equipment, and inventory 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 equipment (e.g. coffee machines), and replacing damaged food inventory.
Injuries to customers in your premises. For instance, if a customer slips and falls in your coffee shop, they can hold you liable for paying their medical expenses, and file a lawsuit against you for personal injury damages.