Cafes and Coffee Shops

Cafes & Coffee Shops

Cafes and coffee shops are often sold a general business insurance package,

But some of these packages have either policies they’ll never use, or they’re missing essential pieces of cover required in the cafe industry. At Nolan Insurance Brokers, we want to make sure your business is 100% covered and only covered for the things you absolutely need.

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APRA-Approved Insurers

We Can Help With A Wide Range Of Policies

We’ll Help You Identify Risk

If you operate a cafe or coffee shop, you need to make sure you have the following policies in place.

Public liability

Public liability insurance covers you against the financial risk of third-party bodily injury or death and third-party property damage or loss as a result of negligence. In a cafe or coffee shop, that could be injuries from falls, slips, or burns.
Product liability

Product liability insurance covers you if a person or business is injured or damaged because of the product you’ve sold. If your meal gives a customer food poisoning, product liability insurance will cover you if they choose to take action.
Workers compensation insurance

The cafe and coffee industry have unique risks for employees, such as burns. Your worker’s compensation insurance will make sure their claims are covered.
Business insurance

As a business owner, you need to make sure your business and assets are protected against the unexpected. Business insurance includes business interruption insurance, which covers your expenses and lost revenue if you’re unable to operate due to an insured peril.
Fire & peril

Should your business suffer damages resulting from fire, storm damage, earthquake, lightning, and accidental damage, fire and perils insurance will cover you.