Hospitality

// What are the

Key risks in the café and restaurant sector?

The café and restaurant sector is dynamic, with owners and operators busy juggling the plates and spinning the bottles required in the day-to-day management of such a fast-paced industry.

Whether you’re running a café, restaurant or catering business, some of the key risks you face include protecting your staff from workplace accidents, your property and business assets from theft, accidental damage, fire and weatherrelated risks, plus taking reasonable steps to ensure the safety of your customers at your premises and the safety of the products you’re serving them.

Depending on the conditions of your lease, you maybe require to have a minimum amount of insurance for public liability and glass cover.

// Who should

Consider insurance?

Whether you’re running a small café or a restaurant chain, as an industry with complex risks where no two businesses are alike, a range of flexible and customised insurance covers are required to protect your business, staff, assets and customers.

What insurance should you take out – and what can it cover?

Insurance can protect you and your employees onsite, on the way to work and at work.

Business pack

Helps safeguard your business premises and contents against:

Damage caused by fire, storm or accidental damage
Equipment or machinery breakdown
Business interruption
Employee dishonesty
Glass damage
Legal issues, such as with public and product liability
Tax audit
Theft, and theft or loss of money.

Public and product liability

Can cover claims against you if it’s held that a negligent act by your business or its products results in personal injury or property damage.

Cyber

Helps safeguard you and your business against expenses and legal costs if your website or other systems are hacked and your system cannot be used or customers’ details are stolen.

Motor Insurance

Takes care of your valuable business vehicles, with cover to help:

If you or your staff damage another person’s vehicle
Repair your vehicle after an accident or replace it if it’s written off
Replace a lost or stolen vehicle
Safeguard you against legal liability.

Workers’ Compensation

Can cover the cost of your employees’ wages, rehabilitation and medication if they become sick or injured through their work.

// Quote

All of the coverage, without the worry

Talk to us today to discuss your business insurance requirements, We offer straightforward advice that will result in peace of mind for you, and a business insurance package that keeps your business covered from all angles. Get in touch by calling