Running a café means juggling customers, staff, food, hotdrinks and equipment — all in a small space. That’s why cafés are one of themost common businesses to make insurance claims.

This guide explains the main types of café insurance inplain English, with real examples of how claims actually happen.

Public & Products Liability Insurance

This is the most important insurance for any café. It coversyou if someone gets injured or their property is damaged because of your business.

Common café claims include customers slipping on wet floors,being burned by hot drinks, or getting sick from food. Even if you think the accidentwasn’t your fault, legal costs can add up

quickly.

Property Insurance (Your Fit-Out and Equipment)

Property insurance covers damage to your café’s fit out,furniture, and equipment from things like fire, storms or burst pipes.

Many café owners underestimate how much it would cost torebuild their café today. If you insure for too little, insurers can reduceyour payout when you claim.

Business Interruption Insurance

If your café can’t open because of damage, this cover helpsreplace lost income while you’re closed.

Rent, wages and bills don’t stop just because your café isshut. Business interruption insurance helps keep cash flowing until you reopen.

Equipment Breakdown Insurance

Coffee machines, fridges and ovens work hard and can breakdown suddenly.

Standard property insurance usually doesn’t cover mechanicalbreakdown. This cover helps pay for repairs or replacement when equipment failsunexpectedly.

Deterioration of Stock Insurance

This covers spoiled food and stock if fridges or freezersfail or power is lost.

A fridge breaking overnight can mean thousands of dollars offood thrown away by morning.

Workers Compensation

Workers compensation is compulsory if you employ staff. Itcovers injuries to employees while working.

Cafés commonly see claims for slips, burns and repetitivestrain injuries.

Management Liability

This covers employment related disputes and regulatoryinvestigations.

Claims can arise from underpayment issues, unfair dismissalallegations or Fair Work audits.

The Big Café Insurance Mistake

Most café owners aren’t uninsured — they’re underinsured ormissing key covers. Problems usually only show up when a claim happens.

Taking time to review your insurance before something goeswrong can save years of financial stress later.

EasiCover helps café owners understand their cover, avoidgaps, and compare insurance options suited to real café risks.

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