Insurance for Cafés

In the food and catering industry, one area that has grown significantly over the years is the number of cafes and coffee shops. These businesses have gained popularity especially for day time trade as they provide very convenient and affordable ways for the public to buy snacks, refreshments and evening dinners.

With the increased trade that coffee shops see these days, there is also a much higher chance that your business will encounter situations that expose you to financial risks.

The unfortunate reality is that those risks are very real and common. And if your insurance cover is not set up specifically to protect you from various claims scenarios, then you could be facing crippling losses.

To find out whether your existing policy provides the right cover, just call our team at Aspire Insurance Solutions on 1300 886 781.

Unique Risks Cafes Are Exposed To

Unlike other businesses in the food preparation industry, you can be exposed to very different risks when you’re serving the public and your staff are working with hot machinery and produce. The following are the most significant risks you’re exposed to.

Public Liability

No matter how careful you are to avoid food contamination or slippery surfaces, accidents can still happen. And when they do they can result in significant sickness and injury. These situations leave you wide open to a civil lawsuit where compensation and legal expenses could cost you your business.

Worker’s Injuries

At the very least you will have tea and coffee making equipment where your staff are exposed to very hot materials. But you might also have a kitchen for food preparation where it can easily happen that staff suffer an injury.

Quality Advice You Can Trust

If you’re wondering what kind of insurance you need for a coffee shop you’re opening, or you have concerns that your existing policy may not provide the best protection, then you have to be able to trust the advice you receive.

At Aspire Insurance Solutions we have a dedicated commercial products team that has extensive experience. As a result we have encountered all of the most common claim situations to make sure your policy has you fully covered.

Face To Face Service

The only way you can ensure that your policy covers your unique business set up, is to have it fully analysed by a specialist in the food industry and insurance policy wording. This is not something you want to rely on some online quoting system for.

That is precisely why our team will always meet with you in person to make sure we fully understand your business. The more tailored your insurance policy is set up, the better the risk cover and premium options available in the market.

Expert Claims Handling With 24/7 Support

When you do encounter a claim situation, then the last thing you want to do is spend hours on the phone to try and get the process going. You can quickly end up having to follow up with countless pieces of information.

Your service with Aspire includes a claims support that is available 24/7. We help you process a claim and advise you on all the information needed in order to settle a claim as quickly as possible

Annual Cover Review

All commercial insurance policies require an annual review and renewal. This time allows you to review your existing cover and shop around for other quotes to see if you can get a better deal.

However, this can be a time consuming process to go through yourself. That’s why our team do a full annual review to check if there are better and newer products available in the market

If you would like to take advantage of these excellent service features, then talk to us today on 1300 886 781, or use the contact form on this page.