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A long black, a latte, a cap with 2, you’re a wizard when it comes the world of coffee and running your café business. No two days are ever the same and occasionally unexpected challenges can be thrown into the blend.

You’ve worked hard to build up your café’s reputation, you know your regulars and you plan to be in business for the long run.

An important part of that long-term preparation should include having the right business insurance policies, starting with one of the vital types of cover, Public Liability insurance.

Why Do Cafes Need Public Liability and Product Liability Insurance?

Dealing with members of the public every day creates the potential for things to go wrong and for a claim to happen. Fortunately, you can financially protect your café for claims made against your business by a third-party for accidental personal injury or damage to their property with Public Liability insurance.

Another vital section that forms part of a Public Liability policy is Product Liability. It covers claims made by a third-party for personal injury or property damage, caused by the product/products you sell. For example, you may unintentionally use milk that is beyond its use by date causing a bout of food poisoning to not one, but several of your customers leaving you liable for damages.

The legal costs of defending your claim can run into the tens of thousands, regardless if you are found liable or not. Not only can this impact your business’ finances and reputation, but it could put your personal finances at risk too. Without adequate cover in place, a costly claim could be enough to stop your café business to a grinding halt.

Having Public Liability insurance in place offers peace of mind and financial protection, covering your legal and defence costs, court attendance costs and compensation awarded to the claimant.

Protect your cafe business today.

Other Types of Insurance

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? These are some of the things Business Insurance can provide cover for.

Glass- covers the costs of repairing or replacing internal and external glass (e.g. shopfront windows and display cabinets) that are accidentally damaged or broken. This includes windows, mirrors, or porcelain.

Building- if you own your building premises, you need to consider protecting it from unexpected insurable events. Café’s are prone to risks such as burst water pipes and kitchen fires, something which could close your café for days or even weeks while repairs or rebuilding takes place.

Contents- cover to protect items in your café like chairs, tables and stock

Machinery Breakdown- protects machinery that is essential to the operation of your café e.g. coffee machines, coffee grinders and fridges. It covers the costs of repairing of replacing machinery following a breakdown.

Business Interruption- things don’t always go to plan, and something like a major storm or power outage could have a disastrous impact on your usual trade of customers. Business Interruption lends a helping hand when your business is affected by an insurable event like fire, storm or theft.

Management Liability

Interacting with the public isn’t the only risk you need to consider as a café owner. If your cafe employs staff, you need to consider Management Liability as a safeguard for the operational side of your business. It can provide protection for:

  • Claims of bullying, harassment, discrimination, unfair dismissal
  • EPA fines for the incorrect process of waste and garbage disposal
  • Theft of money or property by employees


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 covers the costs of professional fees associated with preparing for the audit from accountants, lawyers, bookkeepers and any other required advisers.


What Should You Consider Before Purchasing Cafe Insurance?

One of the first things you need to consider as part of your business plan is having the right insurances in place to protect your café business. You’ve worked hard at turning your café dream into a reality, a dream worth insuring.

Protecting your business from unexpected events and challenges is where business insurance comes into play, providing cover for when you need it most for things like lawsuits, your equipment and your building premises.

Getting the Right Public Liability Insurance for Cafes


Just like every café has its own blackboard special, business insurance for cafes is unique, with each business having its own insurance needs and risks. Public Liability Australia gives you access to multiple quotes to compare from Australia’s top insurers, so you can choose the right cover to suit your business.

Our team of insurance specialist are only a phone call or a few clicks away to assist with getting your business covered in minutes.

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