Café Business Insurance Brokers
Or call us on 1300 859 381
Business Insurance Brokers for your Cafe Insurance Quote
Firstly, Fortune Insurance specialise in providing multiple, fast and competitive quotes for your Café business. Additionally, all of our quotes are from Australia’s established and trusted Business Insurers and Underwriters. Ensuring that you have the information and expertise to make the best decisions for your business. We have a wealth of experience and expertise serving small businesses across Australia just like yours, with our team of professional insurance brokers. Talk to us about your business insurance options.
Get yourself a business insurance quote today, just enter your details below, or call us now on 1300 859 381.
Additionally, as insurance brokers, we have compiled data regarding what insurances you are likely to claim on, and what the most common causes of these claims are. As to help you to reduce the chances of your business being at risk of a possible insurance claim. For more information give us a call on 1300 859 381 and request a Risk Analysis for your industry. As this is a complimentary service, to give you a better idea of of what to watch out for in your industry, this is subject to the below General Advice Warning.
This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances. (If relevant: Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement).
What you need to know about a Cafe Insurance Quote
Firstly, there are a number of risks associated with the day to day operations of a café. With this in mind understanding the most likely instances that can result in a severe claim is important to ensuring the continuity of your business. The most claimed on insurance product for café’s in Australia is Public and Products Liability Insurance.
There are numerous causes of claims on both of these products. For Public Liability, the most common claims arise from injuries, as third-party property damage is generally unlikely to occur in a café. Most of the injuries reported are slip and falls from defective or broken chairs, stools and other types of furniture.
When it comes to Product Liability, the majority of claims will result from foreign objects in food, and food poisoning. The more severe claims arise from food poisoning. This is because food can be subject to spoilage based on age, improper temperature control and contamination. Generally, the recommendations to mitigate this risk are – careful stock management. Additionally, the condition and maintenance of refrigeration and cool rooms, maintaining good housekeeping, hygiene, and food preparation practices.
In conclusion, if you own or operate a café and are looking for more ways to reduce risk. Then please click here to go to Safe Work Australia’s article regarding the hospitality industry as a whole.