UK Cheap Cafe Insurance

You've worked hard to make your business a success whether it is a cafe, bistro, snack bar, coffee shop or tea shop. Your customers love you and you have made many friends. People of all ages come to enjoy your freshly made cakes, pastries, speciality teas and coffee, or get good food (there is nothing like a hot bacon buttie on a cold morning!) at a reasonable price.

So why should insurance be on your priority list?

You know you need it - employer's liability insurance is, after all a legal necessity even for your part time staff. However you've read all about the compensation chasers who get 'scalded' by hot tea (is there any other kind?) or develop an unexplained allergy after eating perfectly normal food in a restaurant. Then there are the genuine cases; eldely customers who trip over another old person's shopping bag, or ship on some spilt lemonade from a child's glass. Accidents happen. And all too often the shop owner gets the blame.

Is insurance necessary for delivering food?

If food is delivered by someone on a pushbike that is no problem. However if it is delivered by a motorised vehicle like a car, van or scooter that is a different matter and food delivery insurance is necessary.

This is imporant since otherwise the delivery driver will be uninsured even if the vehicle is insured for business use. The police take this seriously and many people delivering food have been prosecuted. The penalties for driving without insurance are severe.

So why buy from this site and not one of the others?

Simple; it is because we work in a different way.

Firstly; as people who have run small businesses in the past we recognise that every one of them is unique, and faces different potential problems. Yes, we want to make sure that the essential risks are covered, because we don't want to make a claim and find that it isn't one the insurer will pay for. On the other hand we don't want to waste money on potential problems we will never face.

This is why we don't offer off-the-peg policies; every shop insurance policy that is sold from this site is tailor made for the customer (you).

Secondly; most insurers offer their own products only. For some risks a competitor may offer much better benefits at a lower price; but you won't be shown these. We prefer to deal with insurance providers who can source policies from different insurers.

Thirdly; even insurance providers usually have a limit on the number of insurance companies they can have contractual arrangements with. We don't have this problem since we have agreements with a large panel of insurance providers, each with their own contacts, who we can ask to quote for you.

Why not give our system a test? After all out Trustpilot rating is 'Great!', we are listed by the Financial Conduct Authority (FCA) and all the insurers on our panel are fully regulated and authorised by the FCA to give impartial advice on insurance matters.