• Insurance for Cafes

    Running a cafe is about more than serving delicious coffee and food – it’s about creating a welcoming space for your customers while managing a busy business. From safeguarding your cafe’s equipment to handling potential liability issues like customer accidents, running a cafe comes with a range of risks that require appropriate business insurance cover. The right business insurance ensures that your cafe is protected from the unexpected, allowing you to focus on what you do best: providing great food, drinks, and service.

    Why do Cafe owners choose Acer Insurance?

    At Acer Insurance we take time to understand the unique challenges you face as a cafe owner, from protecting your valuable kitchen equipment to covering potential customer injury claims. Our experienced team will guide you through the process, providing peace of mind that if something goes wrong you have the right cover in place without paying for unnecessary extras. And, should you need to make a claim, our team will be there to support you through the process minimising the disruption to your business.

    What insurance would I need?

    We will work closely with you to create a plan that fits the unique aspects of your business to protect you against a wide range of potential issues. There are a few protection options we will need to consider:

    • Property insurance: Protects your cafe, including furniture, decor, and kitchen equipment, from damage caused by fire, theft, vandalism, or natural disasters. Whether you own or rent your space, this cover ensures that your physical assets are protected.
    • Stock protection (including food and beverage supplies): Covers your inventory, such as perishable food, coffee, and beverages, from damage or loss due to spoilage, theft, or equipment failure.
    • Deterioration of refrigerated stock: Provides cover if your refrigerated stock of food or drinks spoils due to equipment breakdown or a power outage, ensuring you’re not left covering the cost of lost ingredients.
    • Public liability insurance: Covers claims of injury or property damage that occur in your cafe—such as a customer slipping on a wet floor or being injured by hot food or drink—protecting your business from costly legal action.
    • Product liability insurance: Protects your cafe from claims related to food-borne illnesses, allergic reactions, or other issues caused by the food and drinks you serve, safeguarding your reputation and finances.
    • Employers’ liability insurance: Provides cover for medical expenses and lost wages for employees who are injured while working in your cafe, ensuring you comply with legal requirements and support your team’s well-being.
    • Commercial legal expenses: Protects your business from employee claims, such as wrongful termination, discrimination, or workplace harassment, helping you avoid costly legal disputes.
    • Equipment breakdown insurance: Covers the cost of repairing or replacing essential cafe equipment, such as coffee machines, ovens, and refrigeration units, so that equipment failure doesn’t halt your business operations.

    Other protection options you may wish to consider:

    • Theft and burglary insurance: Protects your cafe from theft or burglary, covering stolen cash, equipment, or stock, and ensuring you can quickly recover from losses.
    • Business interruption insurance: Compensates for lost income and helps cover ongoing expenses if your café is forced to close temporarily due to a covered event, such as a fire or flooding, helping you maintain financial stability during periods when the business is closed or unable to trade.
    • Commercial car and van insurance: Covers any vehicles used for cafe deliveries or supply pickups, ensuring your business is protected in case of accidents or liability claims while on the road.
    • Cyber liability insurance: Protects your cafe from data breaches or cyber-attacks, especially important if you offer online ordering or store customer information digitally.
    • Loss of licence: Protects against loss of licence to sell alcoholic drinks.
    • Terrorism cover: Offering valuable protection from acts of terrorism.

    Contact us for a quote today

    At Acer Insurance, we’re committed to helping you protect every aspect of your cafe. We’ll work with you to put a business insurance solution to safeguard your business, employees, and customers, so you can focus on serving great food and drinks. Let us handle your insurance needs, so you can keep your cafe running smoothly and successfully.

    Call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.