Café Insurance

Tailored insurance for your café, including business interruption cover to protect your business should your trading be impacted after a bad fire or flood.

0344 892 1664

Monday - Thursday 8.30am - 5.30pm, Friday 8.30am - 5.00pm

Email us for a call back

About Café Insurance


Stock deterioration cover

Cover for deterioration of stock


Public Liability for accidents to customers in your café

Protects you for allegations of accidental slips and trips on spilt liquids not cleaned up by you!


Dedicated café claims service

Expert claim handlers to give you peace of mind

Direct Debit

Pay for your café insurance by Direct Debit

You can choose to split your payments into 10 monthly instalments

Features of Café Insurance

Standard cover

Deterioration of food and drink cover

Standard cover - Feature text The cover protects frozen goods and fresh foods that became spoiled or damaged due to an insured peril, such as fire or flood, occurring. If the area in which your café is located becomes flooded and power supply is disrupted, your fridges and freezers may stop working and fresh produce you store could goes off. Our policies can provide cover for situations like this. This cover will also protect you in the unfortunate event that one of your employees accidentally switches the freezers / fridges off and stock in them deteriorates. Policy limits can be tailored by you, we offer two main types of cover, based on the value of stock or number of cooling units you have.

Public, product and employers' liability insurance for cafés

When you run a café, you need to ensure your customers and employees are protected. Public liability will help cover any legal defence fees and compensation awards should a customer allege injuries caused to them or their property due to fault by you or your staff. Products liability will protect you should a claim arise if from a customer suffering from injury or illness caused by the products you sold or prepared i.e. food poisoning. Employers liability is required by law if you employ any staff –full-time, part-time, temps or even volunteers. This covers legal defence costs and any court awards to staff following an accident in the café causing them personal injury or illness at work due to your negligence.

Business interruption cover for your café

Business interruption is a standard element of any café insurance package policy we offer. It is designed to cover those continuing café overheads you need to pay if your turnover reduces following an insured loss following damage due to fire, explosion, flood or storm. It covers your fixed costs, so should the worst happen and your business suffers during the rebuild and recovery period you will be able to continue paying rent, public utilities and wages etc. This cover could secure the future of your business in such an event, leaving you to focus on making your business a success.

Goods in transit cover

The majority of our policies come with a level of good in transit cover built in or as an option should you wish to protect your stock if it suffers accidental damage from your local trade warehouse or suppliers. If you’re interested in goods in transit cover, please mention this to our advisers when you make an enquiry.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Cafe Insurance FAQs


If someone becomes ill from my food, am I covered?


Yes, the products liability cover will protect you if a customer alleges food poisoning as a result of some fault on your part in storing or preparing the food. Importantly you do need to meet your responsibilities under food and hygiene legislation.


Am I covered for take away food sandwiches?


Yes, we can factor in product liability cover for takeaway or food delivery services provided you tell us of these activities.


Is the use of a deep fat fryer covered by the policy?


Yes, we can include this but you must inform us of any fat frying as there will be policy terms that apply regarding automatic thermostatic controls. please speak to one of our advisers as we will need to review whether we can provide cover.


Is theft of stock cover available?


If stock is stolen and property damaged due to a forced entry or exit to your café premises, you can be covered by our café insurance. Most policies contain a minimum level of security to be present and adhered to, including a requirement for suitable locks on the doors/windows.


Do you offer money cover?


Yes – during the day or after hours. Our policies can cover money both on the premises and on route to the bank.


I have more than one freezer and / or fridge. Can I insure all of them against deterioration of stock?


Yes, our policy can provide cover to deterioration of stock stored in the fridge and freezer units on your business premises. Policy limits can be tailored according to your needs and café size (starting from up to £500 to £5,000 per claim) or to the number of units you have and the amounts of frozen stock is stored in each).

Please note cover is provided for electrical mechanical breakdown causing damage to your stock stored in fridges but not the actual fridge breakdown repair itself.


Are legal expenses and jury service covers included?


Yes, we can include legal expenses and jury service covers in your policy. Some providers offer them as standard, some as policy extensions. If you’d like to ensure they’re part of your insurance package, please let our advisers know. The limits we offer range from £25,000 to £500,000 on legal expenses and up to £5,000 on jury service.


Can I pay for my café insurance in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.