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Cafe Insurance

Let Us Compare Your Cafe Insurance

Arrange Your Café Insurance Today

If you run a cafe then we can provide you with the correct insurance for your catering business. We have insured cafes for over 35 years and as insurance brokers we search and compare a selected panel of insurance schemes who specialise in the hospitality industry.

Our cafe insurance schemes cater for all types of café and restaurant outlets including British cafes, sandwich bars, bistro’s and licensed restaurants that have deep fat frying equipment or not. Cafes that include takeaways and outside catering.

To arrange a cafe quotation just click the link opposite, complete the simple quotation form and we will come back to you as soon as possible with a quotation, normally within 48 working hours. Alternatively give our office a ring on 01288 353999 where we can discuss your insurance needs straight over the phone.

What Standard Covers Will I Get On My Café Insurance Policy?

Our schemes provide all the necessary cover requirements for cafes, restaurants, coffee shops and including some takeaway:

Public & Products Liability (incl Food Poisoning)
Employers Liability
Cafe Stock
Refrigerated & Frozen Cafe Stock
Business Money
Cafe Contents, Fixtures & Fittings
Loss Of Income / Business Interruption
Book Debts
Goods In Transit
Accidental Damage
Optional Covers Available?

Optional cover can be included for Buildings, Tenants Improvements, Glass & Sanitary Fittings, Wines & Spirits, Loss Of Liquor Licence, Fixed Frying Ranges, Personal Contents, Equipment Breakdown, Terrorism, and Legal Expenses Cover.

How To Reduce The Price Of Café Insurance?

Various discounts can be offered on our cafe insurance schemes including:

  • Discounts for long established cafes or restaurants.
  • Discounts for having No previous claims at your cafe.
  • Discounts for being a member of the ‘National Federation of Fish Friers’.
  • Discounts for property security discounts.
  • Discounts for taking a higher claim excess.
  • And more!
BEWARE - Not All Café Policies Are The Same!!

All café policies will have different ‘warranties and conditions’ especially for frying equipment and security. If you have the above housekeeping in place then you shouldn’t have a problem, but always look at your current policy or café quotes you have obtained, check these warranty’s as they vary from policy to policy and make sure you are doing what these conditions state you must do, if you don’t, you could see an insurer refusing to pay a claim. If you find cheap quotes then often it’s because they have very strict policy conditions you must adhere to so be aware!!!!

At quote stage we will always inform you and email exactly what warranty’s and terms are on a policy including excess’s you will have to pay in the event of a claim. You will just need to confirm you have the warranty’s in place.

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