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The Small Business Owner’s Guide to Cafe Insurance

The Small Business Owner’s Guide to Cafe Insurance

Running any type of business requires a very specific type of insurance policy to protect all aspects of the business, premises, and products.  Cafe insurance is no different; it is tailored to the needs of cafe owners and provides all of the specific coverages that a cafe requires.  Cafe insurance is in many ways similar to the coverage that would be available on any type of restaurant, but there are a few small differences.  If you run a cafe of any size, you need to be sure that you have the right cafe insurance policy.

A cafe is essentially a restaurant, even if it does not have a true kitchen.  It is still a service industry business and has many of the same risks that are seen in a restaurant.  Cafe insurance policies address those particular risks to ensure that the owner as well as employees and customers are all protected from any eventuality.  The type of cafe you own will have some bearing on the coverage your cafe insurance provides, but most will have the same options.

One of the main parts of any cafe insurance policy is the liability coverage.  Any business requires liability coverage, but in the case of a cafe or eatery of any kind, it is especially important.  There are very specific risks associated with running a cafe, and there are so many customers coming and going that the odds of a negligence case coming up are much higher in this industry than in many other areas.  Risks including burns, food poisoning and injuries on the premises are only a few of the possibilities that could see the owners facing a lawsuit.  Cafe insurance will make sure that an accident doesn’t put you out of business.

Of course, cafe insurance will also cover the expensive equipment that is required to run a cafe.  This includes commercial coffee makers and espresso machines, as well as multiple other required machinery.  It also covers all of the dishes, decor, tables and chairs and everything else inside your cafe.  In the event of a fire or theft, your cafe insurance will help you to replace those items easily and without much strain on your budget, getting you through a difficult time and back on your feet again.

Cafe insurance may in some cases cover the building itself if you own it and are not leasing the space.  Most cafe owners lease the building space, however, so building coverage is uncommon in these policies.  You might need to seek a separate policy for the building to add to your cafe insurance policy.

A good cafe insurance policy protects you from losing your business, which may well be the biggest investment of your life.  It will ensure you can get back to normal after a loss and open your doors for business again in the shortest possible time.  Before you think about opening a cafe, you should be sure to look into the cost and availability of cafe insurance policies in your area so that you are ready for this important part of business ownership.

Photo courtesy of Dominic's pics.

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