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Cafe Insurance

At Herald Insurance we have access to a wide range of products from leading insurers specially designed for your café. Whether you have a small single café, a larger café with covers or a chain of cafés we have the right policy for you.

Our policies are tailor-made to suit the needs of your business meaning you get the exact cover you need at a realistic price. We can quote on any area, newly opened cafés and cafés with previous claims.

We make sure you are adequately covered in the event of a claim which is why our policies can include cover for:

  • All risk cover including accidental damage to buildings and contents
  • Public, products and employers liability included as standard on all of our policies
  • Multi location policies available offering increased discounts meaning you save more money if you insure more than one café
  • Terrorism cover
  • Buildings cover (including subsidence)
  • Theft by employees
  • Specified all risks
  • Stock cover (including stock deterioration)
  • Contents cover including electronic business equipment
  • Business interruption
  • Business money (on premises and in transit)
  • Frozen food
  • Goods in transit
  • Frying ranges
  • Equipment breakdown
  • Take-away service
  • Proposers household contents
  • Residential property as part of buildings insurance

In recent years many cafés have been banded with restaurants by insurers therefore many of the endorsements and benefits have been aimed at restaurants, therefore the cover for café owner has not been ideal. We have arranged special schemes with our panel of insurers ensuring the café owner has the right insurance policy in force, specific to their business, and worded as they require. This is of huge significance especially if you are unfortunate enough to make a claim. A correctly worded policy could be the difference of an insurer paying out on a claim or rejecting the claim.

Insuring with Herald Insurance means you can have peace of mind knowing that you have the right policy in place for your café. Our experienced staff will find the best policy for your needs and will also be on hand should you ever need to make a claim.

Call one of our staff today for a fast, simple, competitive quotation