Cafe Insurance

Cafe Insurance

small cafe and the types of insurance needed

Every cafe, cafe bar or internet cafe will require a different level of business insurance. Dealing with the general public on a daily basis increases the possibility of risks, so you will need to be financially protected.

Our Cafe Insurance cover has been designed to allow you to add, remove, increase or decrease all areas of the policy. You will can tailor your cafe insurance, internet cafe insurance or cafe bar insurance to the way you want it; get all of the essential cover you need in one business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Cafe Insurance Policy includes

busy cafe shop with customers

Public Liability cover

Public Liability insurance with various levels of cover are available from £1m, £2m and £5m. This type of insurance for cafes, coffee shops and cafe bars protects you if anyone gets hurt or injured whilst on your premises.

Employers Liability insurance

As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees, whether permanent of temporary members of staff. Employers Liability cover is available at a standard level of £10m.

Contents and Stock cover

Contents and Stock cover can protect your stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment.

Legal Expenses cover

Legal Expenses will cover you if you have a legal dispute. These can be costly and stressful but having legal expenses cover will give you financial protection for your business.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm


Benefits of having Cafe Insurance

quaint cafe shop and table

When owning premises, the possibility of risks occuring may increase for various reasons, for instance:

  • Assaults on your staff
  • Theft within your business premises
  • A customer may decide they have suffered ill health from eating your food
  • Staff could be injured whilst going about their everyday duties

Everyday risks can also be associated with natural causes which could result in your business temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable which a court of law may also agree. In other situations, you could have suffered serious stock losses as well as a loss of income.

At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your cafe.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm