Whether you’re running a small café or a restaurant chain, as an industry with complex risks where no two businesses are alike, a range of flexible and customised insurance covers are required to protect your business, staff , assets and customers.
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. Depending on the conditions of your lease, you maybe required to have a minimum amount of insurance for public liability and glass cover.
| Type of cover | Potential benefits |
|---|---|
| Business pack | Helps safeguard your business premises and contents against:
|
| Public and product liability | Can cover claims against you if it’s held that a negligent act by your business or its products results in personal injury or property damage. |
| Cyber | Helps safeguard you and your business against expenses and legal costs if your website or other systems are hacked and your system cannot be used or customers’ details are stolen. |
| Motor Insurance | Takes care of your valuable business vehicles, with cover to help:
|
| Workers Compensation | Can cover the cost of your employees’ wages, rehabilitation, and medication if they become sick or injured through their work. |
Joe runs a small cafe in bayside Melbourne. He opens the business one Friday morning only to discover that during the night the compressor of his commercial refrigerator had failed, causing the temperature to rise to 26 degrees. Thankfully, Joe had business pack insurance that included equipment breakdown, which covered both the cost of repairs to his refrigerator and the value of the spoiled food he had to throw out.
Important note
This general information does not take into account your specific objectives, financial situation or needs. It is also not financial advice, nor complete, so please discuss the full details with Axle Insurance Brokers whether this type of insurance is appropriate for you. Deductibles, exclusions and limits apply. This type of insurance is issued by various insurers and can differ.
Axle Insurance Brokers Pty Ltd
ABN 88 681 367 760
Corporate Authorised Representative (No: 1313968) of McLardy McShane Partners Pty Ltd
AFSL 232987 I ABN 14 064 465 309
Level 3, Building 7, Botanicca Corporate Park, 570-588 Swan Street, RICHMOND VIC 3121
Give us a call 1300 356 657