For a lot of your customers, your café or coffee shop is their most enjoyable stop of the day. You've most likely spent a lot of time developing positive professional relationships with your visitors, but what if one of your patrons is burned by hot coffee or suffers an illness because of improperly cooked food? Or, what if a kitchen fire wreaks havoc on your building? With café insurance solutions through AmVenture, you can be better prepared to tackle challenges like these as soon as they come up.
Since the way you operate your café is completely unique, it only makes sense that your café insurance should reflect the risks faced by your business. However, many café owners choose to have the following insurance staples as part of their risk management strategies:
- Workers' Compensation Insurance
- General Liability Insurance
- Commercial Property Insurance
- Businessowner's Policy
Protecting Your Café Employees with Workers' Compensation Insurance
Since preventing on-the-job accidents or injuries isn't always a possibility, many café owners carry workers' compensation insurance. This type of policy may be a requirement of your state, and if an employee suffers an accident, injury, or illness at work, it helps to cover the costs of:
- Medical expenses
- Lost wages
- Rehabilitation expenses
- Prescription drugs
In addition to covering accident-related claim costs, workers' compensation may also provide your business with a defense to a claim resulting from an injured employee's accident, illness, or injury.
Protecting Your Café from Third-Party Claims
As much as you try to leave your customers satisfied each time you serve them, as a business owner, you may be subjected to third-party lawsuits. General liability insurance could help to protect you from many third-party claims. In most instances, this type of policy covers third-party property damage, advertising injury, bodily injury, copyright infringement, and more.
Protecting Your Café's Property
Since you rely on equipment such as stoves, ovens, and many appliances in your line of work, ensuring that the property you own remains protected against damage is of crucial importance. If a grease fire quickly spreads and ruins part of your café, will you be able to pay for repairs out-of-pocket? Or, if an intruder breaks into your café in the middle of the night and vandalizes your inventory and equipment, will you be able to recover financially? Commercial property insurance can help to cover your property and belongings if they become damaged or destroyed.
Keeping Your Resources Safe When a Catastrophe Strikes
If you're forced to close your café for a prolonged period of time due to a catastrophic event such as a fire a businessowner's policy (BOP) could help you recoup some of your lost income. This type of policy combines general liability, commercial property, and business interruption coverages, and many café owners choose to purchase this type of policy because of its many benefits.
Where to Purchase Café Insurance
AmVenture is a producer of café insurance policies that are tailored for small businesses like yours. Give us a call today to learn how to help protect your café against a variety of risks, or fill out our brief form to receive your complimentary quote.