Cafes and coffee shops are an important and relaxing part of the lives of Canadians. We visit cafes and coffee shops to relax, work or study, meet a client, grab a quick bite, or hang out with friends. Many people don’t think that cafes and coffee shops pose any risk, but they do. Think about the equipment used to brew your coffee or make your food, the interior decoration that gives the shops a pleasant atmosphere, or the staff carrying hot beverages and meals around the store. During rush hours, shops can get really hectic. Purchasing insurance for your shop is an important consideration to protect your business against liability and litigation risks.
Why is Insurance for Cafes and Coffee Shops Important?
Although cafes and coffee shops are fun and relaxing for customers to visit, there are still risks that could subject your business to third-party claims and lawsuits. Here are a few examples:
- A server accidentally bumps into a customer and spills a tray of hot coffee, which burns the customer.
- A customer slips on the newly mopped floors and is injured.
- Your coffee and food-making equipment gets damaged during a fire or break-in.
- A customer gets sick after consuming a product sold at your shop.
- One of your delivery trucks or catering vehicles gets into a car accident.
Having insurance for your cafe or coffee shop will protect you when things go wrong and can cover costs of medical expenses, benefits, lost income, repairs, legal defences, etc.
What Does Insurance for Cafes and Coffee Shops Include?
The exact insurance package you purchase depends on your specific business needs, risk management concerns, and budget. However, here’s what you can typically expect to purchase:
Commercial General Liability Insurance – also called CGL insurance, provides coverage for injuries, bodily harms, and property damages occurring to a third party while on your premises. It is especially important because there are always risks of injuries and damages while interacting with customers in the food retail industry.
Commercial Property Insurance – your business relies on your building and equipment to operate successfully. It’s important to ensure both are protected in the event of a fire, vandalism, flood, or other natural accident beyond your control. You can also purchase business interruption insurance for extra coverage in case your business is temporarily forced to close due to an insured peril like a fire, water damage etc..
Employment Practices Liability – protects your business against claims of discrimination, wrongful acts, invasion of privacy, defamation, and more while managing your employees.
Brew the Perfect Custom Insurance Package for Your Cafe or Coffee Shop
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