Commercial restaurant insurance covers cafes, restaurants, bars, doughnut and coffee shops, pubs, bistros, delicatessens, and more types of retail food service. A good commercial cafe insurance policy should cover employees, buildings and equipment, loss of income, liquor liability if provided, and general liability.
Owning and running a cafe means juggling a number of tasks on a daily basis. Don’t let your cafe insurance be one of the things causing you stress. Putting a good cafe insurance policy in place will reduce stress and worry down the road, allowing you to focus on the operation of your cafe.
A cafe insurance policy needs to provide coverage for a variety of risks.
The policy should cover employment practices liability, valet liability and liquor liability. It is important to insure if alcohol is served that liquor liability is included. This insurance will protect the business if a customer gets intoxicated and causes damage or injury to themselves or others. There are a number of coverage options with varying limits and deductibles. Talk to your licensed insurance professional to review what is available.
In addition to these unique coverage options, your cafe insurance should cover workers compensation, property, and general liability. Other specialty coverage that is available includes plate glass and signage. If you have fine art displayed, there is coverage available as well as parking lot and valet insurance. The cafe insurance policy should also cover food-borne illness. Business income insurance is also an option to be considered by a restaurant owner.
Foodservice is a complex business. Make sure you discuss the distinct aspects of your business with your licensed insurance professional so they can help you determine the appropriate coverage.