Business Insurance for Cafés

Protect your café from unexpected risks with insurance tailored to food and beverage operations. From equipment breakdowns to customer accidents, we help keep your café running smoothly and with confidence.

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We’ve been helping Kiwis protect what matters most—businesses, homes, vehicles, and livelihoods. Our brokers take the time to understand your risks, compare options across local and global insurers, and arrange cover that truly fits your needs.

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We’re Covering All the Insurance Services Files

Public & Products Liability

Cafés experience high foot traffic and frequent customer interactions. This cover protects you from claims involving injuries, spills, or issues arising from food and beverage service.

Café Property – Building & Contents

Your coffee machines, seating, counters, and ingredients are essential to daily operations. This cover protects your equipment and stock from fire, theft, accidental damage, and other unexpected events.

Business Interruption

If a fire, flood, or major incident forces your café to close temporarily, this cover helps replace lost income. It supports your financial stability while you rebuild or repair.

Machinery Breakdown

Cafés rely heavily on espresso machines, grinders, fridges, and ovens. This policy covers repair or replacement costs if these critical items break down.

Refrigerated Stock Cover

A fridge or chiller failure can spoil milk, pastries, and fresh ingredients. This cover reimburses you for spoiled stock caused by equipment malfunction.

Employment Practices Liability

With multiple staff and shift-based work, employment issues can arise. This insurance protects you from claims related to hiring, firing, or workplace disputes.

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Cafes