Restaurants & Cafes - Experience Culinary Confidence

Insurance for

Restaurants & Cafés

A specialised coverage that helps protect Restaurants & Cafes from financial losses due to various risks, including property damage, liability claims, and business interruptions.

Why do

Restaurants & Cafés Need Insurance?

Bakeries need insurance to safeguard their business from potential risks such as fires, equipment breakdowns, liability claims from customer injuries, or product recalls, ensuring they can mitigate financial losses, protect their assets, and maintain their operations even when faced with unexpected challenges.

Cover Types for

Restaurants & Cafés

These insurance types help restaurants and cafes address various risks, ensuring financial protection and operational continuity in case of unexpected events.

Contents & Stock Insurance

Protects the business’s contents, including furniture and decor, and covers perishable stock (like food and beverages) that may spoil due to equipment failure, power outages, or other unexpected events.

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Public Liability Insurance

Essential for covering claims of third-party injuries or property damage, such as a customer slipping on a wet floor or being injured by hot food or drinks.

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Cyber Liability Insurance

Essential for IT businesses, this insurance protects against data breaches, cyberattacks, and other digital threats, covering legal expenses, notification costs, and potential damages related to compromised client data.

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Business Interruption Insurance

Provides coverage for lost income and ongoing expenses if the restaurant or cafe has to close temporarily due to an insured event, such as a fire or flood.

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Business Property Insurance

Covers damage or loss to the building, furniture, kitchen equipment, and other assets from events like fire, theft, or vandalism.

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Product Liability Insurance

Important for food service businesses, this covers claims related to food-borne illness or allergic reactions from products served to customers.

Workers' Compensation Insurance

Required if the restaurant employs staff, this insurance covers medical expenses and lost wages for employees who suffer work-related injuries or illnesses, such as burns or strains.

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Scenarios where

Restaurants & Cafés Need Insurance

A customer slips and falls on a wet floor in a cafe, resulting in injuries. Public Liability Insurance would cover the medical expenses and legal costs if the customer sues the cafe for negligence, helping to protect the cafe’s financial assets and reputation.

Imagine a kitchen fire breaks out in a restaurant, causing significant damage to the building, equipment, and inventory. Business Property Insurance would cover the cost of repairing or replacing the damaged property, while business interruption insurance would help cover lost income during the period of closure, ensuring the restaurant can continue to meet its financial obligations.

Several customers who dined at a restaurant report food poisoning symptoms after consuming a particular dish. The restaurant could face lawsuits and reputational damage. Public Liability Insurance would help cover the legal expenses and potential settlements, and Food Contamination Insurance could assist in covering the costs of disposing of contaminated food and replacing it.

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Restaurants & Café Business Insurance

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