Cafe Insurance
A cafe runs hot and fast: espresso machines and milk steamers going flat out, a wet floor at the morning rush and a queue out the door. Hospo Cover arranges hospitality insurance packages for Australian cafes, comparing cover across a panel of insurers so your public liability, your gear and your shopfront are all looked after by one licensed broker.
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What cafes need covered
Public Liability
A customer scalded by a hot coffee, a slip on a spilt latte or a trip over a footpath sign. Public liability can respond to third-party injury and property-damage claims, including the legal costs of defending them. It is the cover almost every landlord and shopping-centre lease asks a cafe to hold.
Coffee Machine & Fridge Breakdown
Your espresso machine, grinders, fridges and cool room are the cafe. Machinery breakdown can cover the cost of repairing or replacing gear that suddenly fails, and business interruption can help while it is down. A dead machine on a Saturday is lost trade, not just a repair bill.
Contents, Stock & Fit-out
Your fit-out, furniture, point-of-sale and the stock in your fridges all represent real money. Contents and stock cover can respond to fire, theft or storm damage, so a bad night does not wipe out what you have built.
Shopfront Glass
Cafes live behind big panes of glass: the shopfront, display cabinets and the door everyone pushes. Glass cover can pay to replace broken glass quickly, often with signage and installation costs included.
Business Interruption
If a fire or flood closes your doors, business interruption can help cover lost income and ongoing costs like rent and wages while you get back on your feet.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Hospo Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
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Hospo Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).