Café Insurance
We have access to a selection of the UK's leading, specialist insurers and are able to build a café or coffee shop insurance policy, tailor made for your business
Café businesses vary greatly, from tearooms and coffee shops to bistros and that British institution, “the greasy spoon”. But whatever type of café business you run, you all have one thing in common: busy cafés can carry a number of risks and challenges so you need comprehensive café insurance to protect you, your customers, and your reputation.
As a café owner, you’re responsible for the welfare of your customers, your employees, and your suppliers. So it’s essential to have adequate public liability and employers liability insurance in case anyone is injured or falls ill as a result of being at your cafe. Product liability is another essential cover as a safeguard should somebody suffer food poisoning.
Additionally, other essential café or coffee shop insurance covers include business interruption, cover for your building, equipment and contents, and financial cover for any money held at your premises.
smei is passionate about championing the high street and helping cafes like Rococo Coffee House in Liverpool, Merseyside (pictured above). smei has been working with small- and medium-sized enterprises across the UK since 2002, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible, café insurance policy that fits your specific requirements, and has the ability to develop and grow along with your business.
Our flexible approach to tailor-made policies and our ability to cater for non-standard risks means we may be able to provide cover for risks that some insurers deem too risky, such as flat-roofed premises, start-up businesses, and premises that have suffered previous claims due to fire or flood.
To find out more about our specialised insurance cover for cafés, or to obtain a quote for your business, contact smei today for a chat with our quality team.