Cafes have become a part of Australia’s social fabric over the last few years. Not only are we a country of coffee drinkers, but many of us are now demanding the expertise which you can only get from a cafe barista.
All over Australia, cafes have really taken off, we are all spending more money on a quality cup of coffee or light meal. Cafes have now become an integral part of the city’s food and beverage sector and an example of the laid back lifestyle residents enjoy in Perth.
However, behind the relaxed atmosphere, the aroma of freshly brewed coffee and the tinkle of coffee cups and saucers, there are a range of hazards which can seriously undermine your hard work.
Your premises, equipment and stock will all be under permanent risk. The loss of business stock can not only create big costs, it can also leave your business unable to function for days, or even weeks.
Broken equipment can also be a big blow to your business. A broken coffee machine or dishwasher is very expensive to replace, leaving your business unable to function properly.
In every cafe there is the permanent danger posed by your employees or customers suffering injuries because of unforeseen circumstances. Many businesses face unfortunate events like employee fraud which can cost your business a lot of money. In these situations, your business will be faced with mounting costs and a significant blow to your reputation.
With the cafe scene so competitive, closing for even a few days can drive your valuable customers to other cafes, making it harder to recover from even a minor equipment fault or loss of stock.
If things go wrong in your business, and you don’t have the right insurance cover, you’ll soon find you need more than a strong cappuccino.
How can Bruce Insurance help?
Bruce Insurance has been providing coffee shop and cafe insurance Australia-wide for more than 25 years, so we have the experience and skills to make sure you get the best possible insurance policy for your cafe.
Because we specialise in insuring cafes, we have been able to develop a customised cafe insurance policy. With Bruce Insurance currently insuring cafes all over Australia, we know exactly what risks your business is faced with every day.
Thanks to years of experience and expertise handling cafe insurance in Perth, we can advise you on the dangers that are brewing (along with your coffee), and design a solution which is specific to your needs.
With the help of our dedicated cafe insurance specialists, we will find a tailored insurance solution which covers every area of your business against the perils that come with running a cafe.
For dealing with hazards faced by the public or your employees, we can find the right level of liability cover to keep your business safe. We also offer employee fraud insurance, in case of fraudulent activity from your staff. We can also offer a range of insurance products to cover your building, stock, or equipment from accidental damage.
To see what sort of options are available for your cafe, fill out a quotation request and one of our insurance consultants will be in touch to help you find the right insurance policy for your needs.