Café and coffee culture is deeply imbedded in the Australian way of life. Shops range from mum and dad cafes, to multinational chains that service their communities. Every business has their own unique risks and require sufficient risk management policies and procedures. Insurance plays an important role in this process to create a foundation of support when things go wrong.

Business Package

A business package is a collection of multiple individual insurance products built into one insurer. These can include, property insurance, theft coverage, money coverage, business interruption, equipment breakdown, tax audit coverage, glass insurance, and public liability insurance. These products can be tailored to your specific situation and limits, and can be added or removed as your circumstances change. Running a café has multifaceted risks: customers slipping on wet floors, coffee machine malfunctioning and breaking down, freezers losing power and spoiling the food, a fire in the kitchen. Whatever the case may be, we want our clients to have the correct cover to respond so that your business can continue operate and get the doors back open.

Speak to a consultant today to compare your current insurance, or organise a new quote.

Management Liability

The hospitality industry has its fair share of challenges. Management liability insurance targets those risks that occur within the workplace, between the employer and the employee. These situations can get serious very quickly, from sexual harassment accusations, unfair dismissal, workplace bullying, or theft from employees, and many more, management liability insurance assists with the costs of investigating these claims, defending against these accusations, and the costs of any settlement outcomes. Employees have free access to services such as Fair Work to escalate workplace issues at no real negative to themselves, whereas the businesses are on the backfoot to fund their own defence. As businesses grow, with the high staff turnover nature of hospitality, management liability insurance can play a critical role in reducing financial strain from these situations.

Commercial Legal Protection Insurance

A legal expense insurance policy is unique in its core offering as its considered an “offensive” insurance policy, where typically insurance is a “defensive” tool, responding to external claims. For example these can include contractual disputes, against a supplier or marketing firm, assistance with debt collection that a third party owes you; landlord disputes, or other situations where you may need legal assistance in relation to your café operations. Legal costs and disputes can quickly incur a large bill, and halt trading leading to additional financial strain. Speak to a consultant today to discuss your options.