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From bistros to tearooms, the hustle and bustle of cafés presents a unique set of challenges. Mistakes and accidents happen – so if you’re running a café business, you’ll want to protect yourself, your staff and your customers against any unplanned costs. Café insurance could give you the cover you need.
You know your café better than anyone else – and we understand that every café owner has different concerns. If you employ people at your café, you must have employers' liability cover. And as with most brick-and-mortar businesses, you may also need public liability insurance. Beyond that, you can tailor your insurance to suit your business.
Public and product liability insurance
In case you or your employees injure someone or damage their property.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Building insurance
In case something happens to the premises where you run your café.
Contents insurance
In case something happens to the business equipment or fixtures and fittings in your café.
Stock insurance
In case something happens to the items you sell at your café.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, inside or outside of work.
Business interruption insurance
In case you’re unable to trade for a period of time.
In case you or your employees injure someone or damage their property.
What’s typically covered by public liability insurance?
Claims against your business for:
For example:
Read more about public liability insurance
In case an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Legal and medical costs relating to claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case something happens to the premises where you run your café.
What’s typically covered by building insurance?
For example:
What you’ll need additional cover for
Read more about buildings insurance
In case something happens to the business equipment or fixtures and fittings in your café.
What’s typically covered by contents insurance?
For example:
Read more about contents insurance
In case something happens to the items you sell at your café.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, inside or outside of work.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
In case you’re unable to trade for a period of time.
What’s typically covered by business interruption insurance?
For example:
Read more about business interruption insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.
£34.92 /month
£310.41 /year
Café/coffee shop serving food and drink
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Stock
Not included
£54.54 /month
£484.76 /year
Café/coffee shop serving food and drink using a fryer
Public liability insurance
£5,000,000
Employers’ liability insurance
£10,000,000
Stock
£10,000
How we work out example quotes These examples are real quotes from our online system (created 27/08/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public and product liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Stock | £100 | £500 |
Contents | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Is public liability enough for third party property damage?
Which type of workers do I need insurance for?
Does café insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
In some situations you may need more than public liability to cover certain kinds of property damage.
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider cake business insurance or electrical contractors insurance?
If you provide these services alongside building work, make sure you’re covered:
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having café insurance through Simply Business has saved café owners thousands of pounds when the unexpected happened.
There has been a fire at the insured premises. A bin was set alight outside the back door and a number of stock items and contents have been damaged.
£10,000.00
Fire
£100
The excess amount stated in Dee's policy terms
We started out as a team of five back in 2005. We’ve grown since then with 750,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about café insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.