Obtaining coffee shop insurance can be difficult for some owners, you must have the necessary insurance in place, especially Employment Insurance by law in the UK or you cannot legally operate your business. Your coffee shop business could be under threat without the correct insurance, if an accident was to happen it might leave your business unable to function and you may lose it after spending so many years building it up. Coffee shop insurance can be designed for your particular business interests if any unforeseen incidents occur during your day to day business. Fully comprehensive insurance will provide peace of mind and cover for:-
- Fire, flood and theft
- Legal liabilities
- Building insurance
- Fixtures and fittings
Why not also speak to reputable online brokers about additional cover for business equipment which can include all of your machinery as well as office equipment if you have any on your premises. Reliable brokers will be able to offer you low cost coffee shop insurance and instant cover, they have UK based call centre staff who are eager to help you find the right insurance at the right price.
It’s certainly worth considering contents insurance for your coffee shop too, brokers are well aware that contents and fittings are very important to attract customers into coffee shop premises. They like to feel relaxed while enjoying a cup of coffee and maybe a tasty snack. Specialist online brokers can provide cover for contents and fittings which include:-
- Chiller cabinets
- Coffee espresso machines
- Electrical items such as cash registers
If you are a tenant of your coffee shop business and have made improvements to the premises for instance a refitted kitchen or new carpets, they can also be covered.
For cash kept on the premises this can also be insured against theft and have the cover extended to cover theft by employees which unfortunately does occur from time to time. Check out some of the coffee shop insurance policy benefits:-
- Business interruption insurance
- Goods in transit
- Public Liability insurance
- Employer’s Liability insurance
- Product Liability insurance
Try to imagine how you would cope if you had to close your coffee shop business for instance due to a flood or a fire. Buildings insurance would cover the bricks and mortar however what would you do with the lack of income due to closure, business interruption insurance can tackle this problem by compensating you with the profits lost that you would have earned had your coffee shop been open and doing business.
Goods in transit insurance available from established online brokers is also well worth considering, after all you’ll want to make sure that your coffee shop deliveries are in tip top condition when you receive them. Damaged or missing stock could create huge problems so cover yourself against stock loss, damage and theft with the help of online brokers. All it takes to benefit from coffee shop insurance is to complete an online form and let brokers generate an affordable quote for you.