If you are running a coffee shop then it can be worthwhile considering a specialist coffee shop insurance policy to ensure you have the appropriate cover in place. The Tourist Trail can help when it comes to getting the right insurance, whilst you get on with serving customers and running your coffee shop.
Owning and running a coffee shop can bring some specific insurance risks including inviting customers into your premises, may be employing people and the potential loss of income in the event that you are not able to open your business.
What to consider when insuring your Coffee Shop?
Your Buildings if you own the premises, and Contents are likely to represent a significant value – maybe you have a coffee making machine that is critical to your business – and you may wish to protect it against accidental damage or loss. It is worth considering how much it may cost to replace or repair.
Don’t forget, you are responsible for the safety of your employees and customers visiting your coffee shop and Public Liability cover can help protect you in the event of an accident or injury happening to a customer whilst on the premises. If you employ staff, including direct casual or temporary workers – may be serving staff or cleaning staff, then the law requires you to have Employers Liability insurance.
If you are preparing food and drink for customers then you may be exposed to claims such as food poisoning and Products Liability insurance can help protect your business.
If you have Business Equipment including fridges and freezers that you use in your coffee shop business then you may wish to ensure it is adequately insured against failure in supply of electricity.
Business interruption insurance will help protect your income in the event that you are unable to open your business due to fire, flood or storm at your premises and if you keep Business Stock on your premises then you should consider the replacement value as part of your insurances.
How much does it cost to insure your Coffee Shop?
Insurance costs will vary depending on a number of things – the values involved, previous claims experience, risk management measures, the level of excess you are prepared fund in the event of a claim and so on – but cover can be as low as £250 per annum.
Getting in touch
The best way to ensure you get the right cover is to talk to us about your coffee shop business – as a professional insurance broker we will then be able to understand your business and find the appropriate cover – call us today on 0345 209 4462 or use the form below.
Get in Touch…
Call us on 0345 209 4462
or fill in the form below