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Why do Cafés and Restaurants need it?

Whether it’s hole in the wall serving up morning coffee or that famous take-away with the best fish and chips in town, when you mix food, drinks and customers the potential risk for something to go wrong is a reality.

At BizCover we offer a menu of insurance options from some of New Zealand’s leading insurers to help you suit your unique food business needs, so you can carry on with peace of mind knowing your business is protected. 

Did you know?

Many commercial landlords require the tenant to have both Public Liability insurance and Glass insurance before signing a lease. 

Insurance for cafés and restaurants

Public Liability* 

Public Liability insurance is designed to provide protection for you and your food business in the event a customer, supplier or a member of the public are injured (and not covered by the Accident Compensation Corporation (ACC) or sustain property damage as a result of your negligent business activities.

Business Insurance* 

Fire, extreme weather, natural catastrophes like earthquakes and vandalism are just some of the factors that can damage valuable assets in your café or restaurant. 

Building: cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). 

Contents: covers physical loss or damage to your insured contents as a result of an insured event (such as fire, storm, flood and other perils). Property/Contents can include fixtures and fittings, equipment, stock and furniture. 

A Business Insurance policy includes cover for losses to and caused by perils such as but not limited to: Glass, Transit (of insured property within NZ), Money, Equipment Breakdown, Theft, Employee Effects, and refrigerated goods. 

Business Interruptionprovides cover for the loss of income and increased costs of operating your food business caused by a specified insured event (such as property damage or fire).  It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent). 

Employers Liabilityprotects you against settlements or damages, including defence costs, as a result of an employee suffering bodily injury arising out of their employment where the ACC does not provide cover (such as gradual impairment injuries).

Statutory Liabilitycovers the company, senior management and employees for allegations of wrongful breaches of key legislation in the course of the Insured’s business. The policy will meet fines and penalties payable in specified circumstances and related legal expenses. 

 

 *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.