Restaurant & Café Insurance
JJS Insurance are experts in the insurance of restaurants and cafes. We work with hospitality businesses across Australia.
Restaurant & Café Insurance
At JJS Insurance, we have helped restaurants, bars, cafes, and other hospitality businesses right across WA with their needs.
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 weather-related 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.
We are proud to support restaurant and café owners across WA. We know that owning or operating a hospitality business is no small task. The range of insurance aspects to consider is extremely broad. But we are here to help. We are here to ensure you get the insurance cover you need, at a price that is competitive.
Hospitality businesses are so often run in very individual and sometimes historic ways. Customised business processes require customised insurance aspects. We are highly experienced at working with restaurant and café owners to tailor insurance packages that suit their specific business, without breaking the bank. What is more, as your business grows so too should your policy. We will help you anticipate these changes and get the most cost-effective options, every time.
For larger commercial businesses, we also offer an Industrial Special Risk policy, which is a larger-scale form of insurance. If you are a business that indemnity for high-value risks, this might be worth a discussion.
Restaurant & Café Insurance
Features
A typical restaurant & café insurance package might include the following:
- Damage to Buildings, Contents & Stock
- Business Interruption
- Theft & Employee Theft
- Money & Glass
- Public, Products & Management Liability
- Machinery & Electronic Breakdown
- Workers Compensation
Restaurant & Café Insurance
Further Information
What type of restaurant & café insurance do I need?
Running a café or restaurant is a dream, but not without hard work and risks. Having the right insurance in place is essential for protecting your business against unexpected challenges.
Every restaurant and café is different, with its unique insurance needs.
Why is Public Liability an essential part for your restaurant and café insurance policy?
If your business caused property damage or personal injury to a third-party, action might be taken against you resulting in legal proceedings. The cost to defend your claim can run into thousands of dollars, even if you are not at fault. Could your café or coffee shop business bounce back after such an expense?
Worse still, if the court finds you were liable, the compensation you may be ordered to pay the victim can could up being enough to cripple your business as well as your personal finances.
The support of Public Liability insurance not only protects your business finances but your personal finances too, provided the incident is covered by your policy and is within your sum insured.
Everyday risks that cafes and coffee shop businesses face often come in the form of slips and falls. Spilled drinks and food are constant hazards which could cause serious injury and result in a costly claim. Getting the right Public Liability insurance policy helps safeguard your business from a whole range of potential harms and hazards.
Product Liability insurance
As a café or coffee shop owner, one of the biggest threats you face is food poisoning. All it takes is a batch of milk that’s beyond its expiry date to quickly turn your business’ reputation sour.
Product Liability cover forms part of a Public Liability insurance policy. It provides protection against claims of injury by a third-party caused by a product you have supplied them, for example, food or beverage products your café sells. Product Liability insurance will cover the costs of damages awarded and the costs associated with investigating and defending the claim made against your business.
It is important to check the definition of what a ‘product’ is within your insurance policy wording. It generally refers to anything that has been manufactured, constructed, erected, assembled, installed, grown, extracted, produced or processed, treated, altered, modified, repaired, serviced, bottled, labelled, handled, sold, supplied, re-supplied imported or exported by you or on your behalf.
Restaurant and café Business Insurance
Restaurant and Café Business insurance protects the essential items that help you stay in business. This cover can insure against fire, storm, accidental damage or theft. There are a range of insurance options to choose from, so you can tailor a policy to suit the needs of your business.
Building cover
if you own the building your café or coffee shop operates from, you will want to be able to quickly repair or rebuild it if you were to experience water damage from burst pipes or a fire in the kitchen.
Contents
protect against damage to your business contents and stock from events like fire, storm and other perils.
Machinery Breakdown
Machinery Breakdown cover offers protection for the related costs of repairing or placing your insured machinery following a breakdown. You can also select an extension of cover for loss of stock which will provide financial protection for any food spoilage which may occur due to your fridge experiencing motor burnout or various other causes.
Business Interruption
Business Interruption insurance provides cover for loss of income and the increased expenses of running your café or coffee shop, when you cannot operate normally due to damage caused by an insurable event.
Glass
covers both external and internal glass that is accidentally damaged or broken through theft or vandalism. It covers windows, mirrors, porcelain and illuminated signs. You may want to consider this cover if your café has a large shopfront or it is a requirement of your premises lease agreement to insure glass.
Money
you handle money daily (tip jar included) making it an asset you need to consider insuring. Money cover can protect your hard-earned dollars, if it is lost, stolen or damaged whilst on your premises. It is also protected whilst in transit to or from your business or when held in your personal care.
Cyber Insurance
As a restaurant owner your exposure could be at the payment desk – with your EFTPOS machine hacked. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.
Management Liability
As your business grows, you may start to employ more staff to help handle the extra load, introducing a new range of risks associated with operating a business. Management Liability helps protect your business from the risks and exposures associated with running a company. The areas which it can provide cover for include:
Employee Dishonesty
theft or crime committed by employees including theft of money or property.
Employment Practices Liability
protects against allegations of bullying, sexual harassment, unfair dismissal and discrimination.
OH&S issues
Correct disposal of waste and garbage: if your café deals grease. Incorrect disposal could result in you and your business receiving a hefty fine.
Tax Audit
Tax Audit insurance can alleviate the stress of preparing an audit by covering the costs of the professional fees incurred from preparing the audit. This includes the assistance of accountants, lawyers and bookkeepers.