Beach cafes are forever popular and are during the summer months the place to go to unwind from a busy day, have a cup of tea/ice cream or a cream tea and scone.
Insuring them is essential as many owners think that as it’s just a small risk they will be ok.
Whenever there is a form of catering there are always potential risks, for instance Food Poisoning. What happens if a client has a bad experience and comes along and sues, if you have no insurance or do not have any products liability cover, you are in trouble and more likely than not you will end up having to close the business!
The same goes for liability, public and employees. Public liability is critical as at peak times there can sometimes be 100s, 1000s of people coming through on a daily weekly basis, all it takes is a bad fall from an unstable chair or something to fall on a client and then there is a claim. Re employer’s liability, it does not matter if your staff are only part time, you are still paying them, they are still working for you, they need to be covered. If they get badly hurt and they are only part time, whatever you do don’t think they won’t claim, because they will.
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There is also the element of stock cover i.e. food and drinks, toys, beach goods etc. usually not a high amount, but still handy to have covered just in case the place burns down or is flooded.
You then have buildings insurance to take care of if you own the property/porter cabin outright, sometimes a bit tricky as location is so close to the sea, but underwrites do cover for the right premium, including tenants improvements.
Also essential is business interruption, just in-case something bad does happen to the premises, if you can’t trade and you are losing money, with this in place there is potential to claim.
So when insuring your beach café, make sure you have ticked all of the above to make sure you are safeguarded to keep trading as long as possible.