Compare Public Liability Insurance for Cafes

Business Insurance*

Your business assets help keep you in business, so it makes to sense to insure them. Could you still serve your customers and make an income without a functioning coffee machine or fridge? Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices liability and statutory liability risks. 

Here is a bit more information about some of the coverages you can include in your business insurance package: 

Glass* – Cover for breakage of internal and external  glass and signage you own or for which you are legally responsible, at the insured premises.

Building* – if you own your building premises, consider protecting it from unexpected insurable events. The building insurance section covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.

Contents* – Covers your business contents (and stock) such as chairs, umbrellas and tables if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy. 

Machinery Breakdown*-  protects machinery associated with  the operation of your café e.g. coffee machines, coffee grinders and fridges. It covers the cost to repair or replace specified machinery following a breakdown.  You can also choose to insure the additional costs to your business or business interruption expenses caused by a breakdown of machinery.

Business Interruption*- things don’t always go to plan.  Business interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire).  It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Management Liability*

Interacting with the public isn’t the only risk you can face as a café owner. Management liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrong doing.  Cover can include employment practices liability and for employee theft.  

Tax Audit*

A phone call from the Australian Taxation Office advising that your café business is being audited is sure to take the buzz out of your day. Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office for auditing. The policy offers coverage for the costs of accountants and other nominated professional fees incurred in the course of an audit.