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.